OP, I think that a lot of us folks that carry had that same question when getting into the world of carrying. Yes a duty belt needs to be stiff for all the gear that a LEO has to lug around. When you carry that gear, you notice that over time, the belt's stiffness wears down, and you need to invest in another gun belt. So much more comfortable with a sturdy belt.. I think that everyone chiming in will agree.
Then there is guys just like yourself (and once a lot of us), who have not bought into the whole idea that a "gun belt" is needed in a "concealed carry" capacity. The best way I can put it, we can all tell you the water is warm, and to jump in... but only you will decide if you want to jump in and see for yourself. Plain and simple, it's worth your money to get one.. You will see... And soon you will be with us on the Dark side of the "tacticool" world.
EDIT:
I forgot to add, that I went from carrying a duty belt to a plain clothes rig. At the time I had not had a proper gun belt, but I knew I needed one. Once I started with that plain clothed gig and working anywhere from 10-15 hours a day, I immediately felt the pain of not carrying a proper gun belt. The basic set up... gun, two mags, cuffs, flash light. Life after the Ares Ranger belt was sweet. If I switch it'll be to something that is not so cumbersome to put on and take off. The Ares Agis belt will probably suit my needs.. Best of luck, and let us know what you end up doing.