Plus 1.
Living here in New England with snow and ice the chance of a slip/slip and fall are all to likely to happen. It's all too possible to drive that pistol into your spine and do serious damage. I carry IWB just behind my hip and am not what you call thin. With a Winter vest, Jean Jacket or just an open shirt and conceal it just fine. A good belt along with a good holster make all the difference. Most people skimp on a holster and give no thought to a good carry belt.
The other issue to consider is the draw. With SOB/MOB carry you sweep yourself on the draw. Put stress into that and poor trigger control and you have done the work of the Bad guy you were facing. And depending on who is around you, I'll assume your wife or children walk on your left side, you push her/them back and behind you with your left arm as you start to draw with your right. Guess who else you sweep.
Strong side carry either IWM or OWB is a much better choice.
Hope that helps,