It looks like we've all struggled with this.
I prefer to carry a 4" K frame in the mountains. I've messed with switching my holster between the backpack waist strap and my belt. It drives me crazy and several times I've found my pistol laying on the ground attached to my pack when it should be on my person.
I have a Simply Rugged Sourdough Pancake now and it works very well. If hiking with a small day pack I wear it strong side. If carrying a long gun, I wear it on my weak side in the cross draw position with 1 speed loader on my belt and one speed strip in my pocket.
I've realized that my daypack waist belt does not really bear any weight, but rather just stabilizes the load. Therefore, the strap doesn't really cause trouble to the gun or holster.
This is still a problem for backpacking, but I've not had to deal with that issue lately.
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