Well I just bought one of the "Gum Creek" belts and a holster for my XDE (since nobody else has any holsters for it). And as far as why have one, to me withdrawing your gun out of a OWB or IWB holster while seat belted in your vehicle, just doesn't work well. Gum Creek makes a solution when you get into your vehicle, insert you weapon and then its easy draw your weapon and with out having to remove your seat belt !