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I've been carrying since 95'. I'm a skinny guy and have always been an OWB fan as carrying IWB was very uncomfortably (painful). 4:00 worked fine even in the car. BUT, considering the up-tic in carjacking, I'm changing to a cross draw appendix carry. I just haven't found the right holster to do that yet. Looks like I'm going to have to remove my firearm after being seated in my car and stash it where I can draw it while in my seat belt.