Although I profess to favor Galco holsters, and have several, my usual CC set up is either a .40 Firestar or a 1911, in a no-name holster I picked up for $10 in a plastic bin of used holsters at a gun show. I like it because it has a protective flap of leather that extends upward higher than the gun on the side of the holster that sits next to my skin, affording more protection from sweat. It is an IWB holster that I wear just behind my left hip (I shoot leftie). I've worn this for about 15 years, and, sure, I could go with something fancier, but why fix sumptin' that ain't broke.
If I have to wear a shirt tucked in, without any type of jacket, I wear the gun in a "bellyband" under my arm. Not the fastest type of carry, but, hey, at least I have my weapon with me.