The "Plug" retention device doesn't bother me. I was just concerned about nothing between the weapon and your skin. I sweat like a well a certain type of woman at a prayer meeting so that would always be a consideration for me. BUT, like you said for a quick trip to the store or out to the mailbox or what not, it would work out pretty well. PLUS like me, I could carry that way at work as I always have me shirt tucked in. Oh well Maybe I should only get one for my 45.