Outside of the next size larger pants. Some of what you said was (to be polite) incorrect, outside it not being comfortable, for you. Not everyone can, or does. I do a 50/50, depending where i'm going and what i'm wearing
. With the right holster you don't have those issues. As for quicker to draw. 3 of the instructors i work with can do 1.46-2.08 from concealed wearing a jacket, winter garments.. Myself, i'm a little slower coming in (on a good day) with 2.89-3.02,, again winter clothes. Compared to 2.8with owb.
IF one practices, if they have the time, they can achieve surprisingly fast, on target reaction times.
I run LAS Concealment or Alien gear AIWB / IWB holsters.