Well, I highly suggest you re-consider the not wearing the belt idea. You better think that over long and hard. What gun will you be carrying? I don't know a lot, but I can probably help you out a bit.
This is true, you won't find the right holster immediate--especially right away. I rarely don't wear a belt, unless I've got a pocket gun or three on me.
I can't tell you how many Fobus holsters I have personally broken, or seen broken over the years. I am not overly hard on any of my equipment, either.