De-escalation was the best tool in this situation. The child being there posed a good and bad addition. You would instinctively want to protect the child in the fastest and most effective way. Kneeling down to "help her" may have given you the chance to draw, and maybe put the gun elsewhere. Even better, with something between you and the aggressor. However, as was said, drawing the gun with only a verbal confrontation is never a good idea.
The question is opinions on ankle carry, my opinion is not to do it. Too many things in your way, too much time. As far as I see it, a back up gun should be brought out faster than a primary gun. I also believe that if a gun is your first physical defense, you may want to consider more hand to hand training. Drawing anything while under physical attacks isn't easy, especially from your ankle.
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"Today is victory over yourself of yesterday; tomorrow is your victory over lesser men." - Miyamoto Musashi
[Insert random irrelevant religious quote here]
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