It happens to me on a fairly regular basis (It's hard to maintain a composure when you're chasing a 3-year-old all over God's green earth), but I'm lucky enough to live in a open carry state, so it doesn't really matter.
IWB might hold your gun a little closer in to your body and make it harder for your shirt to catch if it does ride up.
Up here it's already cold enough for jackets which helps, but maybe a vest? Heavier fabrics tend to "stay down" better.
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si vis pacem para bellum
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