Since I live in a hot climate, I often carry IWB without an undershirt to shield my skin form the holster. That is why I carry in leather with leather that comes up high enough to cover the grips of my 1911. There are a lot of really good, long-lasting leather holsters, several of which were mentioned above. I think the worst mistake you can make is buying a cheap holster for CCW, they will be uncomfortable and will have you considering carrying smaller, less effective handgun.
"It is better to be too skeptical then too credulous"