Beltless carry in gym shorts, sweats, track pants, joggers, or just plain pants with no belt continues to be a hot topic. Strong metal clips that not only hold but hold so tight that they tear the clothes have been an option. Draw strings that can't support the weight of anything worth carrying. New devices that accommodate special holster shells that are fairly expensive and inventory-challenged have been promoted as "The Game Changer" in belt-free carry, though it still wraps around you... like a belt.
I had sort of forgotten about the Specialist Covert. It's a belt. I had carried "beltless with a belt" with other regular gun belts over gym shorts but under cover garments before. It worked ok but there was a good amount of movement with the belt. The Covert is different. It has a rubbery grippy texture that holds and sticks when you get it set where you want it. The hook and loop is a combo setup with both hook and loop mixed together making it more versatile than the hook and loop system of regular belts. It's light, flexible, and almost forgettable when wearing it. At about $30 it's worth every penny. If my cover is long enough to hide the bottom of my holster, I wear the belt over my gym shorts. If not, I wear the gym shorts over the belt. I always wear a t-shirt or beater between my skin and the belt.
Another issue I had was putting phone, keys, and wallet in pockets. I was always concerned that something would fall out of my pocket while on a long walk and I wouldn't notice. The Mastermind Multi-Purpose Pouch is designed to be worn IWB but I use them OWB. I put my phone (Samsung Note 10 Plus in an Otterbox Commuter) in one pouch at 9 o'clock. It's a tight fit but doable. My wallet and keys go in a 2nd pouch at 3 o'clock.
This setup may not be what everyone is looking for, but for $30 plus the cost of the pouches ($16 each), I can use any gun in any holster that I already own. I'm pretty tired of the over-used term "game changer" but this comes pretty close for me.
https://www.mastermindtactics.com/sh...cialist-covert
https://www.mastermindtactics.com/sh...ipurpose-pouch