Enough good holsters on the market today that I see absolutely no reason not to use one.
Meh....time. Unless you carry continously, sometimes expediency calls for stuffing the gun in the wasteband. Those of us who can do so at times without it being unreasonably less than secure are admittedly more likely to do so. It's not something to strive for, but for some of us, it's not something to completely dismiss.
