Well, other than the dog mentioned earlier, a gun going off from 3:30 would probably tear through some flesh (I recall that guy with the Serpa had entry and exit holes several inches apart on his leg). It would shoot your car if you were driving. I suspect it covers feet and legs occasionally while walking. Certainly it covers less important things, less often, but strictly speaking the rule isn't being observed 100% of the time.
My point wasn't so much to say that carrying is unsafe; I believe both methods to be extremely safe. More just that the act of carrying a loaded firearm somewhat goes against the rules the NRA has set out for us. Don't they train that guns and ammunition should be stored separately at all times for example?
I am glad we have options, and don't think traditional carry is bad necessarily. It is a safe and prudent way to carry, and builds in an additional level of safety if something DOES go wrong. And it's certainly more comfortable. I just feel that AIWB has a lot of advantages and that the safety thing is overstated online.