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I carry an ultra sized Kimber in an MTAC at the 9:00 position and I always wear a T-shirt tucked into my pants underneath the holster precisely because I don't like the feel of the gun against my skin. And BTW, it's not just the 3" Kimber that does it. I have holster shells for my MTAC for a USP Compact .40, and a Springfield 5" 1911. All three pistols rub against my side when using the MTAC.

But in fairness to the MTAC, at least it has an abbreviated sweat shield that helps somewhat; because I also own a Galco Royal Guard IWB holster for the Kimber, and a Galco Summer Comfort IWB holster for the USP, and both guns rub my side with those holsters too. So the real issue for me isn't the manufacturer or style of IWB holster; it is IWB carry in its totality. The solution is an undershirt, tucked into your pants, under the holster.

Plus, wearing the undershirt will protect your firearm from your sweat and the acids it contains.

By the way, when I carry the USP or the 5" 1911 these days, I carry them OWB, and concealment really isn't a problem... ...and I still have to wear a T-shirt tucked into my pants because I'm a fat tub of goo and there's that little matter of "love handles."