Getting a quality holster and BELT is very important if you have any intention to be comfortable. A regular heavy belt ain't gonna do it, and anyone who tries to convince you otherwise should be suspect. Minimum would be a Wilderness Instructor 5 stitch nylon, I have a Beltman double bullhide and am very happy with it. A good belt will make a fair holster much more tolerable.
Galco makes pretty good, readily available, holsters. Think about falling onto hard concrete with a pound of ordinance steel directly over your spine. A slip walking into the local Mini Mart might change your life. I'm carrying at about 4:00 and its pretty good as far as access and conceal-ability goes. It sits in the pocket between the seatbelt latch and seat back while driving as well, something to consider if SOB is your plan.
I'm serious about the belt, it took a year to try lots of things before I finally sucked it up and got the correct answer to a problem.