I'm a big guy and I carry quit a bit at the 5:00 position. I can hide a full sized .45 there with no problems. As for bending over, sure it will print if you bend at the waist...but I haven't bent at the waist in years. For one, its easier on the back to bend at the knees and sort of squat down. Another reason is that bending at the waist lowers your head below your center of gravity. A push or a kick will send you sprawling as you lose your balance. Bending at the knees gives you much more control and allows you to keep your head up.
Retention always seems to come up with the SOB option. To me it is not an issue if you are in the least bit aware. Allowing someone close enough to grab a gun anywhere on you is never a good idea and if someone does attempt it a quick twist away will usually keep it in place.
For me it really hides better there than anywhere else. I'm usually OK with nothing other than a T shirt. If I am real worried about printing, I'll just wear a long tailed shirt over that ...no one has seemed to notice thus far.
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After falling/rolling over my holster at 4:00, I limped for two days due to the nasty bruise on my hip. I would not have wanted that same impact on my spine.
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Falling or rolling over on your holster no matter where it is, is going to hurt.