I'd see if the Uncle Mikes + cardboard thing looks like it'll solve your issue. If yes, buy a Kramer.
The Kramer is hands-down the best I've ever used. I liked the Mika as well, but the Kramer is a 90% solution for me (a Desantis is the other 10% -- jacket pocket). The Kramer is bulky, but that bulk appears as a wallet or cell phone.
I haven't found anything that will hide a J-Frame in my jeans (plus access sucks due to the pocket style), so that's the only base I don't have covered.