If you sweat, I'd skip the Royal Guard. They suck up sweat like a sponge and dont dry out for awhile. Other than that, its not a bad holster, a little pricey for what it is, as are most Galco products. Personally, I prefer a good kydex IWB holster for daily year round carry, especially if you sweat. They last a lot longer than leather, and are a lot easier on your gun and you.
I'm just the opposite for pants size, I like my normal size, as it helps hold things in place better. Your pants will stretch and your body will adjust enough that while snug, its still very comfortable. Before buying new clothes, I'd try using what you have first and take it from there.
IWB takes a little getting used to at first, so give it a good try before giving up. It may seem uncomfortable at first, but quickly becomes normal.
