The SMZ holster seems like a bargain for $50.00 + $5.00 for shipping.
For a right-hand shooter, the left arm goes through an adjustable holster "loop", and the R9S hangs vertically near the left arm pit, with the muzzle pointing up, and the grip pointing to the rear.
A long strap comes across the back of the neck, perhaps under your shirt collar, then in front of your right shoulder, and down to behind the 3 o'clock belt loop, where it clips to your belt.
If worn under a shirt, the clip could be attached to under shorts.
The R9 is drawn by pushing the pistol up slightly, and then rotating the pistol to unsnap the snap.
I'm still in the holster adjusting stage, and hope to soon start trying it out with an unloaded gun.
Bill