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As others have stated, a proper gun belt will make the WORLD of difference. When I first started carrying, I did the same thing... had to cinch the belt tight to get things to stay up. A gun belt is quite stiff, and will put the load over the entire waist, rather than relying on the pants directly around the gun to keep it up. In fact, I have found that if I unbuckle my belt and am wearing pants with plentiful belt loops, the gun and pants will stay up that way (and I wear an OWB holster). I obviously wouldn't do this when out and about, but I do when I am at home and it works - a testament to what a difference a gun belt makes. By contrast, when I had a regular belt and did this, the belt would work loose and immediately flop over.

Also, look into Dickies work shirts. I have a bunch of them, and have been very satisfied. Lots of folks find them too long for their taste, so this might be a good fit for you as you have a long torso. For reference, I'm 6', weigh 265, and have a 40" waist (I started carrying at 290 with a 44" waist - losing weight has brought me to the last 2 notches in my belt - gotta get a new one now!) and a large frame with considerable muscle and a 52" chest. I wear a 3X shirt due to my chest size. This is quite handy in that I am able to wear a full-sized gun (Browning Hi-Power) in an OWB rig with relative ease. I can do anything and everything in a Dickies shirt without ever worrying if my gun will be exposed.

As far as pants go, the general rule for carrying IWB is to wear a size up (2" larger). A gun belt will solve the issue with having to cinch them tight without having to go with a different kind of pant in general, unless you wear hip-huggers. If you do, I can't offer help there, but perhaps mr.72 could since he's had to deal with it. Since you talk about baggyish pants, I'm betting not, though.

On the pants subject, a lot of people for one reason or another, insist on sagging them. Some here say it's because they don't want to have to buy larger-sized pants. Since you're in the 38-40" range here, I'll assume that this is not the case with you. I've found over the past year and a half, that wearing pants that come up to just below the bellybutton work best. For me this puts the gun at the best location for concealment with more options for moving it around the clock a bit, and there's no odd bulge sticking out at your hip when carrying IWB. For this purpose, I've found that Carhartt pants are marvelous and do not leave me wishing for more room around my nether regions. I got mine at Academy, but I'm sure there are lots of places that carry them, especially work clothes stores. Most work pants seem to be designed to fit well with a bit higher waist (to ya know... stay on during work), and Dickies work also, but not as well as the Carhartts in my experience.