Crossbreed is the way to go , I use the crossbreed for my SD40 , it conceals very nicely , you only need a "real" belt , in other words , I have my thick duty belt from service ,dont get me wrong its not cumbersome , you just need something that can hold the weight of the gun , gun itself doesnt go into waist band area, only crossbredd holster does, the gun sits nicely above in the area where you shirt has plenty of lleway , that way nobody really notices , I wore a shoulder holster for years , but it becomes hard on the shoulders, this wont bog you down at all!