one of the things i'm guilty of doing is keeping my hand close to the gun while stepping off curbs and going down stairs..(mainly to prevent any wiggles and jiggles from showing)
no CCing IWB holster here,just a Galco matrix OWB for OCing.
BTW-i've been thinking of getting one of these wallets to end having to twist or reach past my gun to get to my wallet.
http://www.google.com/aclk?sa=L&ai=...UbUxl6mnoLnkwR0g&q=http://www.RogueWallet.com
(not to get off topic,sorry)