It ain't that hard. I do it most every day with a S&W 442 or a Glock 43, and waiting on a Glock 42 AWIB holster from SnubbyFan to match the other two. People who are scared of guns overthink this . . .
AIWB is not a choice for me, mostly due to the food blister. It is an option for a person who are willing to put the time and money into appropriate research on platform, holster, belt, etc. It is also requires a lot of well done and carefully controlled practice. In short: an expert's choice. I know a couple of people who have made the decision and are able to do - and for them it works very well in somewhat hostile environments in which being undetected is an important consideration. AIWB properly done results in great concealment and speed of presentation. Improperly done, it has a real chance of negligent discharge and resulting Darwinian outcome.
If you are not willing to be 100% serious about the concept and all it requires, or if you are not comfortable with it - by all means, run away. That's a reasonable choice.