Well I know that I couldn't go about my everyday life with a gun on me (or a vest for that matter). In and out of boats, crawling under dashes and going upside down in a bilge. I guess if all you ever do is sit in a car or walk gingerly around, never having to do anything physical or do any real work, then it wouldn't be such a hindrance.
I can't even carry a phone in my pocket or on a belt clip, much less a friggin' gun.