Having a good belt really does make a world of difference. I use an Aker B21. They're relatively inexpensive (~$50), and they don't scream "GUNBELT!" Given my normal mode of dress (which ordinarily includes a blazer even for casual wear), black nylon "duty gear" or the like just doesn't work for me. The Aker was a very good alternative. After about 1.5 years with it, I have no complaints.
I'm a lawyer, but I'm not your lawyer. If you need some honest-to-goodness legal advice, go buy some.