Funny, I don't like Pay Pal, I do like Optics Planet and I have mixed feelings about Urban Carry.

I have one that came in a trade, it seems to be well made and it functions as designed. I normally carry OWB so I value accessabilty over concealability. It does a really good job of moving the mass and smoothing out any tell tale lines. The price is more material and weight. It is far more comfortable than other IWB setups I have tried. I also think IF you bulge a bit above the belt you may have more difficulty extracting the firearm than if you don't.

So, IF you require 100 percent concealment, and your body type allows a quick access, and you don't mind the bulk, it might be for you.

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Certified Curmudgeon