The SmartCarry works, but it works better with small guns. I carried a J frame S&W in a SmartCarry two days a week for 5 years. The other days I carried in an IWB holster. I much prefer IWB carry. Even a J frame will print a little in the SmartCarry. I used to wear jeans and an untucked...
I have a P-95 that was shooting 4" high a 15 yards. It also would drop magazines when the gun was shot. I sent it back to Ruger and they fixed both problems. They replaced the front sight and the mag release parts/spring.
Bill
Dry firing might help if your problem is trigger control. If you are flinching because you body is reacting to the expected noise and recoil than you need to practice with a .22.
Bill