I've tried a belly band and wasn't impressed. It was constricting, itchy, hot and sweaty. Note that I'm a skinny guy, and I always wore it over a cotton undershirt, I can't imagine if you were to wear it against bare skin. Maybe it's okay for some 60-70 degree days, but with temps over 100, it just won't fly.
I also found that when you sit, your waist tends to expand a little, or a lot in some instances, especially just above your belt, which was my preferred location for the belly band. This just made the previously mentioned issues worse. I eventually went to a small yaqui slide iwb holster with a heavy belt for carry with my shirt untucked, or I carry a j-frame in my boot if I'm dressed up some. (with a holster of course)