Contrary to popular belief, it can snow here in southern Nevada from Dec to Jan. I only wear shoulder holsters when I know I'm going to be wearing a jacket that is not likely to be taken off or driving for long distances.

Here's what I have;

I also have a Nylon version of the Galco Miami Classic and an Uncle Mike's Horizontal I picked up on clearance many years ago. Those two never get worn, they stay in my closet. My criticism about the DeSantis BG Vest rig is that it has no retention strap for the firearms. My preference to vertical shoulder holsters since I can effectively conceal larger firearms in them.