The belt I'm using is a pretty heavy gun belt from White Hat, but it doesn't have the kydex reinforcement the Looper has. I"m not sure it's an issue with the belt drooping, but I guess a second belt will answer that question. As for the stuff down the pants, there's still room for the wifey's hand 
Looper belt here as well.
I've got a crossbreed belt and have no problems
I lowered the belt clips to make the holster ride higher and it seems to be working much better. I guess the trouble was the disruption of the 'ass shelf' the belt stayed on. Every good belt needs a good ass shelf, haha!
I've got a lot of holsters, and am slowly drifting away from IWB. One thing about it, one holster does not cover all the bases. I have many hundreds of dollars tied up in name brand holsters, but find myself using a $29 belly band more and more now. I like to wear it up high.
I have a duty man brand belt from OPS and it works pretty well. I just have to keep it tight enough.
