I tried one of the $30 nylon rigs, and found that they.... blow, seriously. Uncomfortable, sticks out in the wrong places, slides around, just not happy times. I decided to try out a shoulder rig that a friend recommended, boy what a difference a quality product makes. I've got a Galco Miami Classic also, it is much better than an El cheapo brand rig. I got mine with a vertical holster and dual speedloader pouch for my SP101. It did tend to want to hang a little differently than I wanted it to at first. But, if you take the time to fiddle with adjustments till it feels good to you, it might be some thing you can wear comfortably, and confidently.
I like to wear mine on the motorcycle, under my jacket, and when the weather is a little cooler, so you can wear a cover garment (something we haven't had much of around here this summer!).
As for "fanning" the crowd when drawing Massad Ayoob gives some good technique pointers in his book, Concealed Carry by Gun Digest. He also mentions one good point about shoulder holster carry that I never thought about till I read this book. You can draw from the weak hand if necessary. Some belt holsters are not apt to give you the same ability.
Good luck in your search, and I hope you find what you're looking for.