I was in a hurry when I posted above. I was trying to update the Holsters.html page and enjoy dinner with mama.
Your question regarding a holster that may double as OWB and IWB - Take a look at this from The Mako Group:
I too am an "elastic waist" pants/shorts person but realized a belt will be necessary for almost any carry except a small pocket carry in Cargo pants or the like.
As you go through the various offerings you will soon be able to narrow your search to paddle, clip, OWB, IWB, leather, Kydex or any with a lining to avoid scuffing your gun. Just keep track of what is and is not important and each brands offerings.