You won't believe it but:
what I found works best for me is a soft sided IWB Uncle Mikes with a retention strap. ~$13 so you can't help but give it a try. does a good job of keeping the moisture away from the slide and is soft enough that it doesn't "rub you the wrong way". It fits nice and snug has lasted over 4 years of near daily use.
Give it a try...