"I wear my gun outside my pants" as the song goes. Belt holster with a cover vest/jacket depending on weather. I don't involve my off hand leaving me the option of fending off an attacker while drawing.
In a very unscientific test between my Son's tucked shirt draw and my cover vest draw with him trying to be quick and me not, there was no question which way is quicker. I was able to draw, aim, and snap on an empty chamber before he cleared his holster. We were demonstrating the types of holsters for a relative and the guy commented later "he was just talking and gesturing and then there was a pistol in his hand".
I'll continue to wear my obvious carrier vest like several other middle aged guys I've noticed. It provides me a place to carry glasses, phone, scratch pad, and stuff I don't want in my pockets.