Hey guys, I recently got a Px4SC in 9mm. My father, with the best of intentions, got me an OWB Fobus paddle holster. Well, I refuse to open carry...I feel like it's asking for a fight. I'd honestly rather just not carry. Anyway, I'm a broke college kid and I intend to conceal. I want a way to carry with a holster that protects the trigger as I intend to carry with a round in the chamber and the safety off. Would it be irresponsible to hack at the paddle holster and modify it into an IWB holster? Also, does anyone carry without a holster of any kind? I've got too many big purchases to make soon to afford a nice holster for at least a little while.