My problem with the 5.11 is in its overall design. I have a black jacket, with sleeves that zip off to make a vest. This is not the fishy/photo type vest, just a normal looking Columbia or North Face type. It is warm (three season jacket) and looks good. It has zippers near the holster that will allow you to tailor the access to your gun.
But my gripe is with the inside "security" pockets. No velcro, no snap, nothing to hold contents in. I would have loved a zipper.
As far as the velcro'ed in holsters in the hidden chest pockets, they were about $5 when I ordered mine. I've carried a Kel-tec in one side, and balanced it with two spare mags in the other. Works well after a little fiddling. Just pick one weapon and leave it alone. It also wouldn't work well for anything other than a very light weapon.
I bought mine because I liked the jacket, not just for cc. My primary weapon would never be in it. The cc ability was just gravy.
The Highlander