Quoted: I would pay for a good quality holster and belt. You really do NOT want to skimp on this, and the belt is going to be the foundation of your CCW gear.
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I agree with kpel308, don't go cheap on the belt and holster. I use a BladeTech Kydex paddle holster on a Milt Sparks 1-1/4" dress gun belt and it works great.. There are many excellent holster makers out there. BladeTech, Milt Sparks, Galco, Kramer, ect..... You might have to go with a larger size pair of pants and belt to really be comfortable with an IWB rig.
Beachboy has very good points regarding your carry situation. All of these are to be taken into consideration when selecting carry gear. I carry a ParaOrdnance C7.45 LDA, so it it a bit smaller than your S&W, but I still need to be aware of it "Printing" when I just wear a shirt over it. You need to carry yourself differently and move differntly (bending over, reaching for things, getting your wallet out of your back pocket, ect...) when carrying concealed (If you want it to stay that way!).
You are lucky to be living in VA where you can carry with no problems. Here in Califonia, the sight of a non-uniformed person with a gun tends to raise havoc with the natives.