I love AIWB, but I've always considered any ND unacceptable, and I'd be curious to hear how many carry discharges the people talking about the safety of potential 3-4 o'clock NDs have had. Carrying in any way besides a duty/competition/chest holster for me involves 100% taking the holster off to reholster, no matter the location or it being IWB/OWB/AIWB. In the exceptions listed, extreme care is given, as it should be always.
If you're not fat, and even in most cases if you're not too fat, AIWB allows a crazy amount of freedom to carry. I carry my P365XL in shorts and a t shirt, or fishing shirt. If it has belt loops, and the shirt covers my stomach, I can conceal in it, in circumstances where the same firearm at 8 or 9 (being a sinister lefty) would print badly for me. It's a great option.
Option is the key word. If you don't like it, don't do it, just as if you're scared to carry and auto, don't do it, or if you're scared to carry in any way with one in the chamber, don't do it. As always, work on your heart health, stop smoking, and lose weight if you're concerned about actually staying alive longer, but if you want to carry a gun at all, you're ahead when it comes to rare self defense circumstances.