Forget about the Tec Loaders if this is for self defense. The primary problem we had with them is that the bracket that you attach to your gun is too flimsy and will do the splits on you while trying to load, making the loading tube slip off to one side. The only way they would work well is if you line it up just right and then violently cram the whole thing in fast. This wasnt reliable enough for any of us on the Cavalry Arms Shooting Team as we tend to practice the way we play.
Have you actually tried the Side Saddle style holders? Why do you dislike them so much? There are more out there than just the plastic Tac Star ones. The 3Gun Gear systems work great and are the standard for all three gun/practical shooting competitions.
Dump pouches work fine for "running and hitting the dirt" as thats what I do with mine on a regular basis. You just have to pick one that has either a self closing top, or a pull cord style top like the 3Gun Gear one that I use. "See pics below"
What kind of defense work are you doing that you require more than whats in/on the gun anyways? If its just in your home get a side saddle or just keep a box of shells next to your bed.