CC is a give and take proposition. It will obviously take slightly longer to draw with a shirt tucked in but that is how I have to carry most of the time. To compensate I think you have to practice good situational awareness so you give yourself the time you need to draw. I also practice so I am proficient with drawing from the tucked position. I don't want to ever be in a fast draw situation. Drawing from a pocket holster may not be any faster. I picked a good holster and I practice. Is it perfect, no, but I think it is the best way to go for me. Also, what about the times you have to wear a cover garment? I know you are in FL but it can get cool there sometimes too. Having a jacket over the gun can make it just a little harder to get to. Like I said practice situational awareness and stay out of those situations that require a fast draw.