Did you ever notice on Star Trek that when the search team went to a planet to explore there was always one of the party in a Red Shirt? And he NEVER came back. Usually it was Ensign Ricky.What you wear can have more impact than you think. Especially in a holster. And especially for women, as we tend to (1) wear clingier clothes and (2) be built different, both (1) and (2) I've yet to hear complaints about.
There's good holsters and bad holsters out there. My old friend
The Captain had a recent post about a gun carrying device you probably don't want to add to your Christmas wish list. Most of us end up with the 'big box 'o holsters' that most shooters acquire over the years. Trying one, then another, searching for the perfect rig.
For my Sigs, I love my Blackhawk holster, thought it's not built for a particularly small frame (which I don't have at 5' 8"). Another paddle type that carries outside the pant and belt like my Blackhawk SERPA is the Fobus 1911 Style C-21 paddle holster. Fabricated from formed plastic with bits of metal here and there, this holster is to artistic design what plastic forks are to fine dining. But it
is durable, and functional.

It has no external snap, strap, or latch, relying on a molded plastic impression snapping into the trigger guard for retention of the weapon. It's going to work best with a wide stiff belt which may not be the first choice for some shooters. This might work to secure a DA automatic with hammer down or on this 1911 Colt with grip and frame safeties, but I'd pass on it for the S & W M + P which is striker fired. For certain weapons, despite its sort of batman utility belt design, I think some shooters would like this. Women too, as it holds the pistol outside the pants, but under the belt. A longer pistol may be uncomfortable for a woman who had pronounced hips, but with a shorter auto it will fit nicely. It's not bulky at all, which is a nice feature.
The one that I like for this weapon is the Galco JAK slide holster. The Galco JAK carries the pistol under the belt.
Very minimal but retention is good and extremely comfortable. It pulls in tight, so it's very concealable as well. I could wear it all day and not really think it's there. For all day comfort in the field, I do NOT want the Victoria's Secret push up holster, that rides, chafes and gives me a rash. Sure I might wear that holster in the privacy of my own home for someone else, but it's NOT going to be part of the daily wardrobe.
For my female readers - there are a lot of holsters for women that are designed to appeal to the designer in you, NOT the shooter. I don't need embroidery, fancy lines or froo froo, I want a holster that allows for comfort in conceal AND quick draw. I want one with good looks AND functionality and one of those is the Delfatti holster - SLP/F - designed to be worn forward of the strong side hip with a muzzle forward rake. The holster has an extended and slimmed down wing to the rear of the weapon.

The rear belt loop is formed by a tongue of leather that wraps around the belt and secures to the outside of the wing. Doing it this way reduces the leather bulk at the belt attachment so as to reduce the chance of discomfort at the top of the hip. There is a second tunnel loop behind the weapon. Most women find the holster comfortable, concealable, and fast. It works best with shorter barreled pistols.
Frankly, I think it's flat out pretty, with just a little detail but not so thick that it binds, and that's the most girly statement you will EVER get out of me.(
http://www.delfatti.com/)
Some of the holsters I like cost more than $100. You don't have to pay that much but don’t cut corners on a holster. A good holster makes the carry much more comfortable and with comfort comes safety. A good holster will allow you to carry a heavier gun with less discomfort and greater concealment.
Face it, I'm never going to be some tiny, little delicate thing. I'm 3/4 Scot-Irish, 1/4 Norwegian. I'm tall and curvy with a defined waist. I'm not one of those gals you have to shake the sheets out in the morning to find and I usually carry a very large caliber, even concealed, so I admire any holster that cares more about a commitment to a product that will fit our form than trendy style.

One of the better Leathersmiths, located in Pennsylvania, C. Rusty Sherrick (
http://www.c-rusty.com/) did the homework on the needs of female gun owners before introducing his line of women's goods and it's obvious that a great deal of time and care went into their making. They look nice, but more effort went into improving them to fit better and sit more comfortably on the hip then whether they're "stylish".
Designs I'm NOT fond of are are the “small of the back” and ankle holsters. The “small of the back” holster has some problems. The draw is difficult and therefore dicey. There is a danger of sweeping the muzzle of the gun in directions you don’t intend to cover. This is an easy holster to disarm. Someone can come up behind you and grab the pistol, and from where it is on your back, it's going to be hard if you aren't trained in tactical to stop them from taking it. Lastly, should you fall on your back, the small of the back holster is a steel bar across your spine that could accentuate the impact of hitting the ground. If you're small boned to begin with this is NOT a good place to be as the injury could make you an easier target. The leg holster is only really valid as a backup option and it’s not really great as a backup. The ankle holster is great concealment, but unless you are a professional or one of the Amazing Walendas the draw is so problematic that it is almost useless.
Male or female - shop around, and ask other shooters. A holster is as important a purchase as what it carries. I'm not an expert but I've learned enough to know what I like. And I'm also smart enough NOT to wear the red shirt.
I have no intention of ever ending up as Ensign Ricky. Expendible I'm not.