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While that is fabulous criteria, it is not always "viable" in every circumstance. i.e. a skirt without a belt, scrub pants with a drawstring or worse yet, elastic waist. I have a belly band I use for these circumstances. It does cover the trigger, I can get a grip, but it doesn't stay open, and both my 38 and .380 fit nicely... (the 9mm fits, but it kinda wanders south.)

I definitely choose to carry in my kydex/leather combo or all leather IWB if at all possible, but sometimes it is just not possible. I also have a holster purse for times like a full dress when I can't carry on body.

That being said... I feel strongly that it is important to practice drawing from the "less than optimal" options. JMPHO.