Yes, more likely to need it when you are vulnerable, outside the vehicle. Convenience store at 2 am, broken down, etc.That is a helpful reply. Thank you.
The shoulder rig is mainly for comfort but I did feel like the pistol is trapped behind my hip. Especially in the winter when I am wearing a jacket.
Your point about shooting or driving is well taken. It is less likely to be needed in traffic than while getting gas or food.