"Civilians" (as opposed to cops) have no business getting into physical fights while wearing a pistol.
You either do everything you can to avoid the fight, or you immediately access your weapon and defend yourself.
(In my own case, I always avoid any kind of fight. I have no need to put on a macho show.)
My point is: A "civilian" does not need a retention holster, unless he is involved in necessary and extreme physical activity.
A retention holster serves merely to complicate your defensive reaction, and you don't need that.
Further, "retention holster" and "paddle holster" are oppositional. The holster might retain the gun, but the entire outfit—gun, holster, and all—can pretty easily be ripped out of your pants. Paddle holsters are not strongly retained by your belt and pants.