I have Raven Phantom Kydex holsters, a Henry Hybrid holster, and an INCOG .
The leather/Kydex hybrid are much more comfortable.
Edit: Now that I'm not on my phone - Crossbreed and Comptac are the 2000lb gorillas when it comes to hybrid holsters. There are, however, myriad smaller outfits that make them as well. Henry, as I mentioned, is an Indiana company. Heck of a good dude, too. Can't buy online directly from Henry, though. amhenry is his INGO screen name. You'll have to contact him to ask where he sells to - it's possible you live near a shop that retails them.
Raven: 2000lb gorilla in the Kydex world. Their holsters, especially the Phantom, are highly configurable. Switch between IWB and OWB in about 10 minutes + a screwdriver. (provided you have all needed hardware...) Their customer service and warranty are TOP NOTCH. They have a sub-forum here on INGO that's checked, by them, every week or so.
For an inexpensive unmolded leather IWB holster, I've had 2-3 different "Split Decisions" by High Noon Holsters over the years. Drawback to those - the mouth isn't reinforced. VERY difficult to reholster.
I highly recommend you purchase one each of the following: 3 Speed Holster and White Hat Holsters... These two will about cover all your CC needs regardless of you clothing requirements and/or the time of year.