Bottom line, it will always come down to your comfort. What may seem logical as an idea may not work out in practice.
As for attachment, if you're going to wear a belt, a leather loop under the belt with a snap is most secure.
You will have to decide if a single position suits you for all that you may do during a day.
My work holster (SIG P220) had two loops but I wore a belt that was less than the width of the loops.
Walking around, the holster was perfectly comfortable vertical against my hip and even laying down.
But for driving it had enough give to rock forward so it wasn't jammed between the seatback and me.
If you want clips, the quality of the clip is, I think, the most important.
I have seen too many range draws by folks with cheap clips resulting in a "gun and holster" draw.
And you wouldn't want some upward pressure to dislodge it and pop out.
I have a couple of Bucheimer IWB's for J Frames that are great.
They have a wide and very tight clip with multiple bends to grip a belt or even pants waistband.
I use one a lot for a quick gear up to walk the beast in the evening.
Here's a tip for good tight clips that require some effort to slide onto your pants or belt.
I have a metal business card that someone gave me.
I slide that into the clip first which make a straight shot around any curves or edges.
Push it onto my waist with the card outside and when it's in place, slide the card out releasing the clip to pinch down.
(Pencil is belt or waistband)
Good luck on your quest!
