I've been going through the holster blues too. I have 2 carry purses, one large and one small. Switched to the large one all the time even when I've got my 640 on me just so it's my natural purse. Both of mine are from Gun Toten Mama's ?sp?

For on-body (my preferred method) I'm finding a Bianchi OWB holster is working well for most pants with waistband a bit lower than natural waist but not really low.

Still trying to find a decent IWB holster for those pants with a waist that is much higher, at my natural waist.

I basically almost never wear dresses or skirts so haven't had to deal with carrying then but figure the purses will cover me in those occasions.