One size doesn't fit all. There will occasionally be situations of worst case scenario. But multiple options by themselves or different times, or combinations.
1. Pocket of outer garment.
2. Shoulder holster. Only takes small opening at neck to draw from vertical SH.
3. Jacket with both ziper and snap or velco. Use snaps instead of zipper.
4. Jacket with front unfastened.
The last cpl presume you are suitably dressed in layers , including base layers, and you are not at the ragged edge of bare minimum for the present conditions.
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