How do you carry for winter time?

So, years ago, I was at a gas station in January and a guy tried to lure me into a dark area and rob me. Needless to say I didn’t go with him, but the biggest thing I remember is I was carrying a S and W shield, I don’t remember if I was carrying in an ankle holster or a IWB under my heavy Carhartt coat. Either way, I wouldn’t have been able to get to it if I wanted to. I’ve since changed my wardrobe and now wear a soft shell jacket with a Carhartt vest over top. I’ve been thinking about having a velcro strip sewn into the inside of my gun hand pocket and getting a Velcro backed holster and sticking it in my pocket. I don’t like just sticking a gun in my pocket and calling it a day, what do you guys think?