I'd say go with Kydex. If you have to draw for whatever reason for whatever job you do, you'll want it fast. Kydex is extremely durable, it's easy to use, it has adjustable retention, and is far more comfy than it looks. Leather can give you problems, especially if it's cheap. Leather/kydex combos always give me problems — they can begin to separate, or maybe not lock up as tight. I do a decent amount of shooting from IWB (maybe 1,000 rounds a month re-holstering every few shots), carry everywhere I legally can, and have been carrying ever since I had the ability to. Not to knock other peoples' choices, or to downtalk them, or make anyone feel bad about their choice, but these are just my experiences, and my opinions, in my situation. I'm no expert, but at this point, I do feel comfortable in making suggestions to people that might actually have to use it in a life-or-death situation.
I love JM Custom Kydex holsters. They dont have as many options as far as attachments go as some other places, but they are excellent, especially for a stock M9. If you have the time to wait, get this. It's still my favorite way to carry my M9. Their Type 3 is what i use IIRC.
If you're using the G-SD model, or a Wilson M92BT, or another railed model Beretta with a light on it, check out Red Hill Tactical. I use them for IWB carry of my wilson with an X300V. Lockup isnt as tight, but it's tight enough, and the loose-feeling is probably because of my light (it's made to fit an X300U but the V kinda fits, so i use it)
Other options I can think of are Safariland, T-Rex Arms, and Tier 1 Concealed. I haven't used, or personally heard good things from people I trust, any other company besides these. I'm not sure these all offer IWB for an M9, but if they do they're GTG. JM being my personal favorite, but they have quite a lead time.
Those quick-clips are nice if you need to take your holster off frequently, but i'd recommend getting a metal one if possible - they're way more secure. Most of these clips are standardized, so JM's quick-clips fit right on my RHT holster, and vice versa. I carry my Wilson M92BT at 1 O'Clock with an X300V on it (it's the thick-slide full-sized M9 with a white/IR flashlight) in the RHT holster, and that doesn't print at all (albeit in the slightly baggy) clothes I wear. YMMV. I also carry an HK45C in a JM Custom, and that's almost as comfortable as my fullsized M92FS that I carry in my other JM Custom. Make sure to get a neutral color kydex, because if it does print, then maybe the holster will blend with your skin and help, rather than be a bright red that pops. Spend money on a quality holster, because that extra 30$ on it could save you a whole lot of trouble. Spend extra for those wedges, extra attachment methods, all that, because if you actually need this thing and truly have to conceal it, these will be that little extra help you might just need. Practice your draw a ton, practice wearing it, try different attachment methods, try to sit and stand and jump and crouch and lie down and lift things with it on, to see how tight you need the retention to be.