I realize this is asking a lot...and that there are always trade offs between convenience, concealability, comfort, etc. But has anyone found an OWB holster that is as quick/easy as those single clip IWBs, and yet still holds close enough to the body to conceal with just a t-shirt?

And for the pancake style holsters...how much concealability is lost if one opts for the easy on/off belt loops (with the snaps) rather than the belt slots?