Depends on what you call an "Arm & a Leg".........

Kramer's horsehide OW Belt Scabbard (w/ FBI cant) is the best in the business as far as I am concerned and that is what I use. I no longer like retention straps, snaps, velcro, screws, springs, blah blah blah for proper retention - but like my holsters to naturally and correctly retain the gun with no extra parts because they are built right and made out of the best materials available. Kramer Leather fits that bill for me. Again, not a cheap holster (about $125 or so) but will last a lifetime if not abused. The best I've ever had in OWB holsters.