I can't purchase or carry any gun with plastic on them. I realize they work great. For me, it lacks the feel of "my gun". I know this isn't logical when contemplating the necessities of a carry gun, but it matters to me. I carry a 2.5" 686+ and a 3.5" Colt Officers ACP 1911 (all steel frame). In a long shoot out (not likely) of course I'd get more rounds out with the 1911. But I love not thinking about the safety and I just love my 686. I do not feel out gunned with 7 rounds of .357 so I carry with absolute confidence.
I carry both guns outside the waist band, even in the summer. My answer is a slightly over-sized tee shirt.