I would recommend a great deal of reading in the Handgun Holsters and Other Accessories sub-forum, and maybe digging through the Rate retail and private transactions forum. I've posted pictures of my comfortable carry rig* a few times and so have many other users.
*(CrossBreed Supertuck holster, Tucker 2x IWB mag carrier, BeltMan belt and a Walther PPS or 3.5" 1911 as the mood suits me)
You'll have to find your own compromises, at some point you're going to have to balance comfort, capacity, cost, caliber, concealment, and carry weight ... everyone's compromise comes out a bit different, the best advice is to not go cheap, you can buy 2-3 cheap holsters or a good holster once, the same goes for belts, get a real gunbelt, that thing you got at the department store isn't going to cut it in the long run.