I am also a Kramer horsehide guy. IWB for the H&Kc .40 S&W. At first I did not like the idea of having to purchase a pair of trouser or jeans two inches larger than my waist line. However, an IWB just seems to make more sense for serious concealment.
I also tried a shoulder holster for a short while. The Galco "Miami Classic" made popular with the "Miami Vice" series and Don Johnsons charachter, Sonny Crocket. However, I had to put away the pastel color linen pants and jackets about two decades ago.
It just dont work unless your going to wear suit jacket, of some type, every day, every where. Bad idea unless your a man with a badge. At least Galco has a program to donate holsters to the troops, even though they are the vertical shoulder leather type. Not sure which model that is.
Air.177's advice on the Matt Delfatti leather is also one I'd go with if you dont mind waiting for a while while using another cheaper alternative.