Gopher is right about the clips. They can be tough to get into place and you won't be doing much adjusting once you have clipped them on (At least not without removing the holster entirely). I haven't had as much problems with the shirt; but I do take extra care to tuck it in nicely when putting it on and I just use the fly in public bathrooms so I don't have to mess with the rig.
I have the Galco Deep Cover too; but don't like it near as well. It is a fat little holster for an IWB and regardless of where I wear it, that J-hook sticks out from underneath the belt like some kind of deformity. Mine sticks out about 1/4 of an inch and then the loop of the J over the belt starts.
The other thing I don't like about this holster is that it relies mostly on the belt(without a belt, holster comes out with gun). That means that during the draw, the holster moves with the gun until the belt offers enough resistance to stop it.
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