Mostly, if I don't have a need for a cover garment, I won't take one, just so an uninformed cop can't "make" me cover up.
I have that covered because I always keep my "permission from the government to carry concealed" only in the car. Thus, when I'm out of the car and about they can't ask me to "cover up" without asking me to break the law

Well, they can ask me of course, but I will politely point out the fact that they are asking me to commit a crime...
