Its hard enough to carry in the summer and have the pistol concealed and easy to get at. In the winter here in upstate New York, all bets are off. IWB holster no good under layers of clothes. I usually drop my CCW into my outer garment pocket. Good idea, but, ever tried to shoot a P3AT with gloves? I've got small hands, but with gloves, no way. Kind of leaves me "out in the cold"!