Bassbob
Emissary
Plenty of us have to go IWB Hayes. In the summer time anyway. And I do disagree with a few of your points. Particularly the small of the back thing. None of that stuff is inherently any more dangerous than the other as long as you are safe and train. Small of the back likely gets you shot by whatever it is you are trying to draw down on. The absolute worst way to carry is SOB in my opinion. I'm not sold on the whole "More important arteries being in the crotch" thing either. I think you can bleed out shooting yourself in the leg just as easily. And I know people, including at least one detective, who shot themselves in the leg with an OWB retention holster.If you have to go IWB, 4 O'Clock works, horizontal shoulder holsters, cross draw, small of back are all safer than appendix carry in my opinion. But there is a training curve for each that should not be bypassed.
Hundreds of thousands of draws over the years from an IWB holster and never once had my finger on the trigger.