My local Mom & Pop gun shop has a rather large bin of used and/or unwanted holsters that folks have donated to for quite a few years. Good place to try on different ones.
Re: your mention of OWB. Different States have varying laws regarding this, especially as concerns unintentional and/or non-threatening exposure. In MS for example, taking a jacket off and therefore exposing your sidearm, in a sit down restaurant would not constitute a chargeable offense, and usually not even an objection from other patrons or the restaurant management; while in other States you might get a quick visit from the local gendarmes before your meal is delivered.
Just for the OP's info, there's also the other commonly discussed issues about retention v. non retention holsters, and carrying with a round chambered, safety off, or not.
Personally, my edc (P365) is chambered, cocked, no manual safety, and owb non-retention leather. If I have to present it, I don't want to have to think about anything except the front sight.