I ordered a Covert back in mid-November, but I guess the tan one was too popular, as it was backordered through mid-December. When I called, I found out that my position in the queue was for a mid-January delivery.
I went ahead and ponied up the difference for a MOAB, and am very happy with it so far... I know that might be out of your budgeted price range (since you asked about the Covert and the Improved Discreet), but FWIW...
Plenty of grip in the velcro strips. I have Index Clips all the way around the handguard, and still have some overlap. I've done some moving of things around here and there, and I haven't updated the pictures in my online storage yet, but plenty of space all around for quite a bit of stuff, depending on how much you're comfortable carrying...
The see-through pocket is great for going to the POW range on post, I don't have to pull my registration papers out to sign in...
Pocket space galore, and the MOLLE allows for a utility pouch (tools, etc) or more mag pouches...
Did I mention the long enough velcro straps? All the way around the holster and still some overlap for my FNP-45...