"For concealed carry IWB or some type of tuck is necessary. Paddle or belt do not hold it close enough for this to work."
I think that this is a bit of a whopping generalization. Many carry every day (myself included), using an OWB holster, with no concealment problems. I personally do not care for sticking a gun inside my pants - or for the idea of having to wear over sized pants to accomodate a pistol.
But, to each his own.