I use IWB almost all the time (hot Texas) and sometimes feel the tip you spoke of-I set the clip lower on the holster and the gun rides 1-2" lower and snug-still real easy to access. I just had my M65 hammer bobbed--I've bobbed M60 and Speed-Six, too-still have single action if necessary-easy to start back with the trigger and pull hammer to cock-easy to set down. I wouldn't give up my SP101 to find a DAO-might buy the one you spoke of as a "New York Reload", though..