My M&P rusted right next to the Stainless Steel rollmark.
Edit: I'll dig up the photos when I get home, but the thread is still on here.
I had issues with leather holsters retaining moisture. Smith & Wesson replaced my slide. It sounds like an under shirt would solve your issue. As Ray said, wife beaters are the least like wearing a shirt, but at also long enough to tuck into your pants.
Kydex blocks moisture from your body, or at least doesn't retain it. Nylon breaths better. My solution was to line the back of my IWB leather holster with duct tape. That might be pretty uncomfortable without a shirt though.






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