Serpa Level 3 holster

Overkill.
See here, here and here. If you are looking for a carry holster, look IWB (inwaist band) like http://www.comp-tac.com/catalog/product_info.php?products_id=95. If you want OWB and some security with a plastic/kydex holster, using a level 2 is fine, if you can keep it concealed but OWB usually stick out a little too far for summer clothes especially. Leather OWB will usually grab better. Meaning that the leather grabs more evenly resulting in a smoother draw at the same retention tension. Level 2 in leather is usually a strap (clumsy to work) and generally not necessary since you get a more tension and still keep it useable and smooth. Also look at pancake holsters.
 
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