I'm glad to hear you got out the situation without more of a scare.
When you need to act in self-defense, you are playing catch-up. You are reacting to someone's act that you perceive as an imminent threat. You need your weapon "right now"!
We make many compromises in choosing to carry a concealed handgun. To carry a concealed weapon while maintaining the weapon concealed and secure, we must make compromises. Compromises which enable you to engage the threat faster are desirable.
As you have experienced, one compromise in where and how you carry your handgun. You now know that you felt you would never have been able to draw your gun from your ankle holster before the threat had closed the range and attacked you if he had chosen to do so.
NRA Life Member - Orange Gunsite Member - NRA Certified Pistol Instructor
"When plunder becomes a way of life for a group of men living together in society,
they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it." Frederic Bastiat