Concealed carry is not comfortable, but rather comforting. Without a belt you are regulated to either pocket carry or, gangsta style carry - tucked in your waistband........
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This is exactly why I would make my probationary agents carry every day for their first 3-4 months as an agent. I simply saw too many that succumbed to the slight discomfort instead of carrying every day. With a good belt and holster and carrying every day for a couple of months, it just feels normal.
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Maybe something like this, except I really don't want a firearm pointed at my junk...
http://www.smartcarry.com/
+1 on suck it up and learn to carry with a proper belt. Standard belts almost never are adequate for supporting a holster and spare mag.
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To be honest you will probably find yourself not carrying. I am not uncomfortable while carrying, but it definitely isn't comfortable. You may be able to pocket carry, but without a belt you may be pulling up your pants quite a bit.
As far as mobility is concerned, I have found that the more comfortable the carry set up, the less secure it is while moving (with regards to keeping your gun where you want it). For example, my G19 carried AIWB in a Dale Fricke Seraphim holster is very secure, and will always be in the same spot even if you have just wrestled around on the ground. The same gun, tucked in the belt with a Zac holster, will move around and has the potential to fall out of the belt, but it is very comfortable and very well concealed.
There's a youtube video of a woman wearing a remora holster in a bikini, and it staying in place no problem. Your mileage may vary of course!
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Ankle?
This was the belly band I mentioned above. After a few hours of being seated with my P229 dug in, "my junk" wasn't on my mind. When the weather was warm and humid, and after long hours, I would have red welts around the various contact points. They itched like crazy, so even when I wasn't carrying in the band, it still bothered me a few days later.
Most comfortable for me was a DeSantis pancake holster carrying my .357 snubbie. The speedloader in my left front pocket was a bit bulky, but there were times when I forgot I had the gun on and I would get my jacket half way off before I remembered that probably wasn't a good idea. I don't know when the Crossbreed style IWB holsters first became available, but I got my first one a few years ago. It is now the only way I carry. I've had two co-workers actually ask me why I stopped carrying because they don't have a clue about looking for the clips.
I hope you find something that works for you. For me, belts and holsters are a very personal item.
I'm not sure that carrying with a belt restricts my mobility. I guess it might, and I'm just not very mobile to begin with. While carrying in public, I do as little reaching with my arms and bending as possible. It's not that I can't, just that I don't want my clothes to reveal, or print. If it makes a difference, I run with my gun. I've run hundreds of miles with my gun.
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