To answer your question, the clip-draw sucks goat nuts. I tried one on my XDS 9 and it allows the weapon to ride too deep. You cannot get a full combat grip on it when drawing.
I carry appendix 90% of the time but I would not advocate carrying without a holster for anyone new to concealed carry (very few circumstances require no holster).
Also, you should reconsider carrying on an empty chamber. If you have made the decision to carry a weapon then carry it Condition 1 or don’t carry it. Most people agree that if you don’t carry it loaded and you need it you won’t have time to chamber a round. I would go a step further and say to carry with a round in the chamber not only for yourself but for the general public. No, they aren’t your responsibility but if you have a loved one with you and , God forbid, you are caught in a situation where you need to use deadly force, you wouldn’t forgive yourself if your loved one got injured or killed and you lived all because you didn’t have a round chambered. Just my $.02...