I got in the mail Friday a nice IWB from Mika's Holsters
http://www.frontiernet.net/%7Eakim/waist.htm It's setup for a snubby .38/.357. I've used it two days now and it's bang for the buck wise one of the better deals I've gotten. I wont say it's a work of leather art, Mika uses a heavy vinyl but it's been very comfy, holding my 642 and belt well w/o shifting. I haven't tried reholstering yet as there's no mouth stiffening but for a concealed weapon I think that's on little importance. It does hold the weapon well and releases nicely when you draw, more is hard to get even IME at 4 times the price. BTW I don't know how it feels if one goes "commando", I had both a tee and briefs on between me ans the holster.