I will not down the crossbreed because I havent tried it, but for less money, and I love mine, is the Kholster. Kholster I love it and have been using it for almost 2 years now, I normally wear an undershirt but have gone with out. I carry SW99 40S&W in one and my wife carries S&W jframe (no undershirt.) If I'm not mistaken they have a money back guarantee.
"The purpose of war is not to die for your country. The purpose of war is to ensure that the other guy dies for his country." - General Patton