Thanks.
My opinion, not an LEO.
What do you think will be the most likely situation where you must protect yourself?
Probably something similar to walking to your car in a large parking lot.
10 ft. from you directly in front and rushing you is a guy with a knife or gun.
Cross draw you draw. As the weapon comes out of the holster, your arm is across your belly, gun pointed to your left, assuming you are right handed.
We know that a guy good on his feet can cover 21 ft. in less time than you can draw. So what happens when he is 10' away rusing you and you are halfway through a cross draw? He will get you before you can bring your weapon into position.
Now assume same situation holster at 3:00.
The instant you clear the holster, you can fire.
So it is under your shirt. You are probably wearing the shirt tail out. If so, you can lift the shirt, or at least I can, with the left hand as fast as the right hand can get to the weapon. No time lost.
Where cross draw is good is when you are wearing multiple layers. Say in very cold weather...two shirts, one with the tail out so you can take your jacket off and still conceal, and a very heavy insulated jacket. It is hard to get through all of that if the weapon is strong side but not so hard if cross draw.
As for in the vehicle, the states I travel have open carry as well as CC. So when I get in the truck, I pt mine in a holster between the seats. I have one of those inside the belt holsters that feels like velvet. I stuck Velcro on the side and the Velcro sticks to the seat so that there is no chance that the holster will come up with the weapon.
This makes the weapon free and clear of all seat belts, jackets, etc. and is instantly available.
When I arrive at my destination, simple and quick to slip it into the belt holster under my Hawaiian style shirt.