Personal preference is leather. Never could get use to plastic or synthetics.
Look at Mitch Rosen summer special II, just a little more in price but worth it.
Remember one thing about buying cheaply for personel protection equipment---How much is your life worth?
When looking for a IWB holster look to:
1. With the gun out, does the holster collapse it should stay open for easy rehostering
2. with the holster upside down, does the gun stay in
3. when drawing does the gun come out smooth with no snagging
4. is the angle of the gun, when in postion on your belt, at a 'natrual' angle for gripping. Some holsters hold the gun more up right then others while some make the angle too steep to grip easily.
If you can,try the holsters first. Plan how you will dress, dress that way when trying the holsters. Angle for holsters on me is about 45 degrees. This fits my drawing motion(yes I practice about 30minutes 3x a week) which involves me having a lite vest on, running my thumb along the belt clearing the vest till I grip my gun. Time on target with this is about 1.2 seconds to 1.5 and shoot(timed, i'm slow so I do not compete. moving that fast makes me sloppy and you can't be sloppy with a gun).
Oh FYI, subscripe to sears big and tall catalog(yes i'm big but not tall). Every once in a while they sell vests in different styles. 30 bucks max and are not photograher's vest. Light weight for summer wear and have plenty of pockets for those shtf situations.
hope this helps