Other thoughts: I like that you can modify the cant of the Cloak Tuck, which you cannot do on the Galco. The shells are interchangeable with other pistol shells, either OWB or IWB. The shell is said to be steel reinforced, so it's unlikely to break or crack like and plastic ones I've had, and if it does, it's guaranteed for life anyway - whether my life or the company's life they don't say. The belt clips work too good. They're hard to get on and off over a thick gun belt, but I suppose that beats the alternative. I've not worn it during the summer yet but never had an issue with the leather Galco uses, so that's a wait and see. I just don't care for the thick backing, but once it's on and the pants are buttoned it's quite comfortable.
Another downside is the screws that hold the shell to the backing tend to loosen and fall out. I've never lost one, and they do send extras, but I put some blue Loktite on the threads to keep that from happening in the future.