I have had only one holster with clips. It was a long time ago and I don't remember the brand, but it didn't stay on the belt reliably - I could draw and the holster came along with the gun sometimes. I have used belt loops since. Maybe some of the redesigned clips of recent years are better.
With snap belt loops, you don't have to take the belt off. You can just unbuckle it, pull a little loop in it over your holster, poke the belt loops around it and snap them, then re-tighten your belt. You are going to loosen your belt to make room for gun and holster anyway, so no big deal.