Only drop if you have a specific reason to. Dropping below the belt will make it bump into stuff, and wobble around as you move.
If needed, wear as high as you can. No knee holsters. You shouldn't need two leg straps.
I -- and many others I know -- run the UBL extension on Safariland holsters. It's a rigid extension, in a couple lengths. The short one is usually enough to do things like wear armor and a ruck belt at the waistline.
The rigidity means you don't need a leg strap, and it moves with the beltline (i.e. not much) vs moving with your leg. Some wear a leg strap with the long one, I don't get why, but you can.