redhologram, your picture also brings to mind one of the other big advantages that I've noticed in IWB vs. OWB: Access to front pockets. With my OWB, I have to work around the holster to get to my right front pocket, and that's where I keep my keys. No such trouble with my IWB.
I'm a lawyer, but I'm not your lawyer. If you need some honest-to-goodness legal advice, go buy some.