During the summer months, I typically carry with just a t-shirt as covering. While getting in/out of the car on errands, it gets to be a hassle to ensure my shirt is covering up my IWB holster. I've often thought about not worrying about it and if the holster/gun shows, so be it. Fear of small spaces, handcuffs, and bubbas w/badges have prevented this.
Oh, and no offense to those with badges that aren't bubbas.