I carry about 3-3:30. I'm a big fan of the MTAC. I've tried the Theis and Crossbreed and they didn't feel comfortable to me. If carrying OWB, I've used both leather and kydex. Both have there pros and cons. I find leather with a reinforced mouth the most comfortable. Kydex is a helluva a fast and easier to holster. Basically, it's a toss up on how I'm feeling that day.
A good belt is a must. Like everyone here, you'll probably have a shoebox full of holsters. It's all personal preference.