Call me a frugalista, but my holsters meet all those requirements listed by OP:
It is a Crosman Pistol Holster made of strong, stiff material that takes a long time to wear in. It fully secures and covers the pistol with a strap attached to a plastic locking clip. The pistol is covered from muzzle to grip, even for full-size pistols like the 1911 (5" barrel).
The whole retention strap can also be detached quickly by way of a snap button in case of a defensive situation. This is like a level 3 retention holster. It does not have a clip for the belt...it only has a double strap (velcro where you place over the belt and secure, and a 2nd velcro strap to secure the first). It is very comfy to wear in my opinion, because those steel belt clips dig into my hip sometimes.
No one is going to be able to grab the pistol out of it while it's on your hip unless you sit there and let them work at it. Retails for $7.97 at Walmart. Usually is displayed right under the Blackhawk holsters in the plastic pack. I've had them for several months and I'm highly satisfied. Inside is soft lining that doesn't scratch or damage the slide/sights.
P.S. My .38 and .45 both have decockers and manual safeties. This holster works perfect for both. The .38 has a metal piece that protrudes when there is a round in the chamber, but the .45 you must visually check, not just tactile inspection like the .38. I always know I keep a round in the chamber of both, but it is second-nature for me to check anyhow.
All I do is OC. I will only CC when I get the darned permit and that will be 1 gun CC on the ankle under pants in winter or skirt/dress in summer, the main 1 will be OC on the hip. I prefer OC because it is difficult for me to conceal a pistol without using a handbag.
