I just carry in my belt, and my gun stays there just fine.
I carry my J-Frame revolver in my pocket, no problem!
I hear those statements all the time, but I know of at least seven people who would disagree with the wisdom of not using a holster. We’ll get to them in a minute.
First, there are some very good reasons why a carry gun should ALWAYS be in a holster unless you are in the act of shooting it. In my view, there are three critical functions that a proper holster performs. First, a holster protects the trigger, which helps lower the risk of negligent discharge. Second, a holster maintains the position of your handgun for quick and consistent access. Third, a holster helps ensure that your gun remains safely in your possession.
Holster-less Belt Carry
When carrying a gun on your belt line, a good holster accomplishes all three objectives regardless of whether or not the holster is an active retention design. It will cover the trigger, preventing hands or other objects from interfering with the trigger. It will keep the gun positioned exactly where you expect it. The combination of internal friction will help prevent your handgun from falling out, or in the case of inside the waistband carry, down your pants.
But don’t take my word for it…
Chandler Arizona resident Joshua Seto damaged his gun with his girlfriends gun, and almost lost his life, by carrying in his waistband. Walking to a nearby convenience store, Seto stowed his girlfriend’s pink handgun in his front waistband, without a holster. At some point, the gun fired, the bullet striking Seto in the penis and continuing on into his left thigh. If you stop and think about the geometry, he’s lucky to be alive. Entering his thigh from an inside direction puts that bullet’s path right in femoral artery territory. “One  operator told Christopher to apply direct pressure to the wound with a dry towel or T-shirt, but to avoid looking at the wound.” In Seto’s words, “I did look at it. It was pretty bad.” Ouch.