After trying lots and lots of holsters I finally settled on a good leather pancake style holster that has inside out snaps on it so it can be used inside or outside the pants (strong side for me).
I use it IWB most always, but when the weather is cold will wear it OWB. I seem to like the pancake style holsters, I carry a 1911 style mostly, but also like the pancake style for those times I have a short barreled revolver. Never tried the clip thing so I can't comment on that.
Jim