For what it is worth, I carry a M&P40c every day in a Crossbreed Supertuck Deluxe along with their 1.25" belt and velcro (backed belt and J clips on the holster). This is a great combo. The only addition that may make it better is if the belt had a solid stiffiner all the way through from the loop where the buckle attaches to the tip through the last (biggest) hole. The area around the holes seems to have softened up quite a bit. It hasn't stretched any that I can tell, but my guess is this area will be the first to wear out.
OWB I use a DeSantis Speed Scabbord. This is a very comfortable holster and fits the gun well. There is a tension screw that can be used to adjust the amount of grip on the gun. It will hold the gun quite securely, in fact so much so that it becomes a problem pulling it out so be careful how tight you make it.