I more or less have the same set up L Farmer does, and so far no complaints. I've had it and used it about three months now so take my limited experience into consideration but so far very nice comfortable and I like the ease of changing style I typically only carry IWB small of the back but having the option to carry appendix and or OWB without have to buy more then one holster is nice but by review isn't written in stone. I would say its worth the 100 dollars so far, well see in a year or so of everyday use. The only negative I will say is I didn't like or use the mag holsters (carriers). They are extremely bulky for IWB. I'll say this I bought 2 of the mag carries that are transformable IWB OWB and I have never used them I tried one out and it imprinted on the mag no matter what I wore or how I wore it, but they look and feel well made. So hope this helps happy shopping!
