I'm gonna go against the grain on this one: I usually carry OWB with a cover garment, and every OWB holster I own at this point has belt loops that the belt must pass through, as well as active retention. I've never trusted removable holsters to stay put while I was wearing the handgun. I've got one of these:
for my Sig, and it's as close as I've come yet to an IWB removable that I trust to stay put. I ordered it with the plastic hooks, and they're very stout. It's the only IWB that I own that has never tried to work its way off of my belt during a good walk. Yeah, it's spendy, but it's worth it.
Otherwise, if it's a 1911 day, I've got a Safariland ALS. If it's the H&K, it's a Safariland GLS. For my P365, I've got a DeSantis Facilitator.
I dunno. Maybe it's just a question of what's more important to you. For me, I'd rather have positive weapon retention and trust my training with my firearm when it comes to dis/rearming when getting into and out of my car.