There are lots of reason to keep a shoulder holster as a viable choice. For some women, it is the one and only way to get a holster on the body that does not dig in and is still concealable. I also find that if I am spending all day in the car, the shoulder holster is a far more comfortable choice.
Some people do not like them, that is fine, I find IWB incredibly uncomfortable and thunderwear absolute torture. I refuse to wear a garment that has as its first design my emasculation. Its what works for you.
If you find a shoulder holster hurts, more than likely it is a cheap one or a you do not have it fitted right. I have an old Bianchi and a couple of newer Galcos. My Bianchi is a vertical holster that works great, it is not a x back style but the old single shoulder style, I usually carry a 4 inch .357 model 13 in that one.
The Galco's are the new X back style. They hold the guns horizontally. One is for a USP compact and the other is for 1911 Full size. The biggest thing i have found is the shoulder straps need to be fairly firm and wide as possible, to distribute the weight. I like leather too, but make sure you know that some leathers will bleed a bit and leave marks on certain fabrics. I had a very nice silk pull over shirt that I would wear under a blazer, one hot day and that shirt was stained. Maybe it is residual dry cleaning fluids, who knows, but it happens.
Sure, a shoulder holster is not as fast as OWB pancake, but it does put the weapon on you, and that is better than most. Some women just have body types or clothing choices that make other holster types very difficult.
Learning how to draw and not muzzle cover the whole world is something that can be done. Here is one place where a CTC grip really helps, as you can actually see the path of the muzzle as you draw. The FBI allows the shoulder holster for many agents so it must have some pluses.