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I responded earlier with 4 - 4:30, but once in a while I conceal carry IWB my Beretta 92FS, Its a pretty big gun. I carry it in the SOB. A lot of people believe this is a terrible way to carry. But I carry it on my person under certain conditions, and I believe the concern about the safety is way over rated.

1: It is no problem drawing without covering myself. It may be a half second slower than a normal strong side draw. but I can draw, clear the safety, before I'm at the low ready position.

2: Lots has been said and about falling on it and getting more seriously hurt because of the big chunk of metal next to ones spine in the case of a fall.. My holster is a nylon Uncle Mikes and has some padding. I believe the holster might be actually some protection if I fell against something hard.

3: This isn't an everyday carry. It works well when I'm not in a car for much more than an hour or two at a time. and If I'm outside walking around.

4: there are some minor disadvantages to this type of carry. It's uncomfortable sitting or driving for long periods of time. I find I can flip up the back of my cover garment and not realize it. and it is not so easy to reholster safely. My draw is a slight bit slower. But has the advantage of being able to carry a larger gun without it moving around much if one is moving around a lot.

4:00 to 4:30 .. At 3:00 I keep bumping into things. It's comfortable and I don't find myself sitting on it