I think of it in relative terms.
- The chances of me dying of old age are not significantly different whether I carry or not.
- If I carry, the chances of dying of old age are not significantly different whether I can quick draw or not.
YMMV - We do not all live in the same place or do the same things.
This is like the heated arguments that sometimes ensue about how many extra magazines or even guns one "needs" to carry. And it has nothing to do with how a tuckable holster works.
For what it's worth, I use a tuckable IWB, but seldom wear my shirt tucked in. I'll do what I need to do when I need to do it. I don't train to draw at every unexpected sound or movement.