I've no idea how much field work you do or the odds of you pulling your gun and then having to holster quickly as the situation changes from a shoot to a no-shoot. I am also plain clothes, though, and I do not carry AIWB. Some of the techniques used to mitigate the risk could break down under a high stress time-pressured situation and it's simply not worth it to me to take any increased risk. YMMV.