I'd like to start off by sayin that I am very happy with this holster. It's very comfortable, it looks great, and it's so adjustable it can pretty much be worn any way you can imagine.
As for why it got a 4 instead of a 5.
Every so often when I draw my 92FS the holster actually catches and releases the safety lever.
It doesn't happen a lot but it does happen, I just have to pay extra attention to it. I am still very pleased with the holster and I continue to use it on a daily basis.