While you may think carrying w/o a holster is not any more precarious than with one, even when fighting, this leads me to believe that perhaps you have not actually been in a physical fight while trying to retain a loose gun. It has very little in common to changing the oil on a car.
If the price of admission to this discussion is having fought someone while carrying a gun, I'll have to beg off.
I understand what you are saying and appreciate the advice as it's always good to reconsider the way you do things. I think I usually try to calculate my percentages conservatively. But based on my own experience, and being the only one here who knows how tight my belt is, I haven't heard anything in this thread that's going to make me abandon my clipdraw anytime soon.
