I don’t like any belly band that either doesn’t have a solid holster trigger cover or one that has a snap. The snap would be too much to fumble with in a life or death situation. I use an AlienGear brand belly band when I’m wearing gym shorts, which is 90% of the time since I’m retired and don’t have to dress up any longer. The AlienGear belly band has a kydex holster with traditional adjustable snap in retention. I use a Tulster IWB holster with a Kore Essentials gun belt on the rare occasions that dress shorts or pants are required and the AlienGear belly band holster setup is just as secure and quick drawing as the IWB holster. I would love to see you review an AlienGear belly band setup sometime.
I use a belly band holster for activities which make carrying things in my pockets or even on my belt a burden too great to accept. Mainly, I use my belly band holster for long days in the saddle on my bicycle or at the gym or when walking to the grocery store. Also, I really hate things weighing my shorts or pants down... and I prefer wearing shorts when I'm off the clock. The downsides to belly band holsters are the sweat factor and retention designs.
My experience with a BB holster is to offset the gun to either 10 or 2 o'clock as this will allow it to ride with better concealment. Also, the cell phone holster is perfect for a wallet instead of a cellphone when in crowds and it is best to secure it in the holster. Folder, Olight flashlight, tourniquet all fit nicely for EDC in this style. Regarding the weapon light, I am seldom out after dark, and if so, personally prefer a weak hand light as I prefer not to search with the muzzle. Just me though.