I glad you steered away from a shoulder holster. The only time I really see shoulder holsters being useful is in vehicles and hunting if carry a large pistol under a jacket. Mexican carry, small of the back, and shoulder carry(in this order) are some of worst ways to conceal carry.
As stated IWB and OWB are more practical. More concealable if done correctly, faster, and IMO more comfortable. I personally IWB. I'm a big fan of COMPTAC's ctac for kydex. I also have a MTAC. The MTAC is more comfortable but I prefer the CTAC for its slimmer profile. I also have a Milt Spark's VMII for leather. I only use leather for my 1911 and p7m8. While the VMII is super high quality and very nice, I just tend to prefer the cleaner/quicker draw that kydex offers for a CCW. Whatever holster you buy, make sure you buy from a company that specializes in CCW type holsters like comptac, miltsparks, crosstuck, to name a few. Stay away from companies like blackhawk, fobus, etc. Most of the time I mold my own kydex holsters but when I don't I get comptac.
A gun belt is also a very important overlooked part of a ccw rigg. Shamefully, it was also the part I overlooked. I couldn't see myself paying over $50 dollars for a "gun" belt. Its funny how some of us can spend thousands on a pistol, over $100 on some holsters, carry ammo thats a $1 a round give or take, and yet skimp on a belt. After I ruined two $35 dollar leather belts, I finally took the plunge, and shelled out for a Liger. It is absolutely amazing how much a actual gun belt matters. Its tough as nails, doesn't deform, and distributes weight nicely. As far as "gun" belt I can only speak for the LIGER but I will say I've had this belt for years now wearing it almost every single day. I have swam in the Atlantic, Pacific, and Indian oceans, various rivers, ponds, through mudd, and chlorinated pools. It looks great just a few scratches and no deformation. There are a couple really good choices and the Liger isn't for everytone but I can personaly attest to its strength and quality. Riggers belts work okay with loops but I don't recomend them over a good gun belt. They also don't work very well with clip style mounting options.
Just my .02
Sorry, for the long winded post. Hopefully it helps and saves you a couple bucks.