If one in the tube isn't for you, don't carry that way. As Handy points out, chances are fantastic that you will never have to draw your gun, and if you do, chances are you won't have to fire it.
Yeah, some people choose to prepare for a situation where they might not have full use of both hands because you're trying to do multiple things, you're being partially restrained, you've been injured, or who knows what else - but what are the chances of that? Probably pretty slim, even in the limited sample of instances where you'd need to have a gun.
Everyone plays the odds. Some people don't think a gun is necessary at all. Most are right. Whatever condition you carry, practice, with it. Practice for more than perfectly ideal situations and pray that things never get worse than what you're prepared for.
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