Regarding the Phantom,
when using it inside there may be some wasted space.
I thought that myself before I got mine, but if there's any wasted space it's not really noticeable. Most people have enough padding in their 3:30-4:00 position to fill in any little gaps. I've also been surprised how comfortable it is IWB.
I bought it - and primarily use it - as a OWB rig, but I've worn it out for a few days IWB, and I don't even notice it's there.