I can't help you narrow your choices much, but I'll go ahead and throw out the one that I use. For, oh, a year or a year and a half, I've been using a Theis IWB: http://theisholsters.com/
I selected the horsehide/kydex hybrid that Tommy Theis makes and I've been very happy with it. I have recently been carrying in an OWB that I just got, but I've got no complaints about my Theis. Some of my pants just aren't baggy enough for IWB to be as comfortable as OWB.
For a belt, I use an Aker B21: http://www.akerleather.com/off-duty-...+Carry+Gunbelt
I needed a gunbelt that doesn't scream 'GUNBELT' and this one serves me very well.