I got this online for $35, just came in the mail today and so far it seems like a great idea. Haven't had a chance to wear it out yet but it seems to hold my xdm very snug and secure. It also holds the gun very close to my body so it would appear to be good for both cc and oc. It is kind of a pain when placing my gun in the loop when I'm wearing the belt but I assume it will get easier as the leather breaks in. The one thing I'm not sure about is legally could I get in trouble if the law has language in it like "properly holstered firearm". I'm sure we've all seen the leather holsters that clip on your belt which cover pretty much only the trigger just as this belt does. Anyone have an idea on the legalities?