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To be quite fair concerning SOB Carry (and simply to touch all bases) - If you were to fall backward and hit a sharp edge or corner like a concrete step or a street curb - then having a holstered firearm located over the spine could actually help to dissipate what would be a sharp edge impact and (in that case) a holstered SOB firearm could possibly prevent a more serious spinal injury.
I can only say that if I personally were to be slammed backward and had a choice between my spine contacting a concrete edge or corner directly or having that edge or corner contact a holstered firearm rather than directly impacting my spine...I'd rather have the firearm blocking that blow.
Also...since civilians are not LEOs (who must sometimes grapple with bad guys on a daily basis as part of their job) unless weather conditions are icy or slippery...people do not normally fall over backward during the course of their daily routine.
So I think that the "falling backward" argument is somewhat over-exaggerated for ordinary "daily carry" people.
That having been said:
It's definitely a factor to consider but, not a sole issue that I personally would base a "location of carry" decision on.
Though I think there are many other reasons why a different body location would be better for most people to carry concealed.
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