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My entire holster comes off when I disarm even though the kydex allows quick and easy on/off (I use belt clips, not a thread-through holster). I like the fact that the holster protects the trigger (and any other mechanical interrupts to discharge). This became a firm rule with me the last time I just slid the firearm out for a quickie into the bank. As I placed it in my center armrest console, the muzzle was pointing directly at my six year old daughter who happened to be with me on this trip. That was not a good feeling and enough for me to adopt this new personaly safety rule.

I don't need a reminder to rearm when entering the vehicle. Do you need a reminder to get dressed in the morning?

As for being discrete in public parking areas, I have two suggestions. First, observe other people inside their cars when you are in a parking lot. Can you even see to their waistband? If you could, would you be looking that closely as you go to/from your car? Second, when you arm/disarm, take a look 360 around your vehicle for anyone close enough to see what's going on. Then prepare the cover garment, belt or whatever and make the exchange as quickly as possible.

Hope this helps.