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How we carry is a "system" there isn't a one method suits all. While some folks might not be comfortable with certain parts of the system, its how the carry works together along with how we train ourselves. For me my carry consists of parts that some might feel doesn't meet conveniontal wisdom.

My most often carry is a pistol taco. Nylon, inside the waist. DeSantis JIT. The carry gun is a subcompact Beretta storm. Nylon holsters are often criticized for poor retention and it's floppiness could activate the trigger. The advantage of this carry for me is that it is small lightweight and very concealable yet with a fairly accurate gun. I believe that it is a very safe, comfortable carry. The gun is DA/SA requiring a lengthy first shot trigger pull. It also has a manual safety. The weapon security is that it would require a substantial tug to un-release it and works well with just about any belt. I always remove the holster and rest my thumb on the gun to hoster the weapon

Another carry I use is my Beretta 92. carried in the infamous Blackhawk Serpa. The 92 FS is also DA/SA with an exposed hammer. It's a heavy gun and the holster carries it well. The gun is carried relatively high and conceals with just about any untucked shirt. The weight of it requires a substantial belt or a real gun belt. The Holster is plastic, although I don't believe it's technically Kydex. The Serpa is controversial if not hated by many in the gun community. My trigger finger naturally falls to the ready position (a take down button) and is guided by ridges on the holster. As in the above I always reholster on safe with the thumb on the exposed hammer. To me this is a safe and comfortable carry for such a heavy weapon.

My point is that there is no one carry method or gun for all. Mouse guns aren't for everyone, no one holster works for everyone.

I think that clerks in a small local retail establishment are a lot more likely to be sizing up each customer than almost anyone. The situational awareness of these people is a lot higher than the zombie patrols at Walmart.