If your holster is a pain to put on and off, you may be inclined to carry less.
2 seconds on and 2 seconds off, like slipping on a pair of shoes is about right.
Whether with a belt or no belt, holster and gun should part ways on a draw, every time... without fail.
When carrying chambered, drawing and re-holstering should never be a worry of accidental discharge.
A nice firm retention that eliminates the worry of weapon leaving the holster unintentionally at any time.

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