Oh, here is one other idea for you Brian.
On one of my pocket holsters for my R9 I took a small diameter drill bit and drilled a deep hole in the holster to make a snug fit for an Allen wrench so I always had the appropriate Allen wrench available and more importantly knew where it was.
I thought it turned out slick and was very discreet.
Now I carry an expensive holster and I'm afraid to drill it.
May be something you want to try. Who knows?