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Nope, I don't think it's a stupid idea. There is a lot of talk about confusion when the mess hits the fan and what not... but I've been there and done that. Granted, the mess hit the fan in a different kind of situation... but contrary to what I've read and what most folks assume, you dont lose all sense when these things happen. As a matter of fact, if you have trained well, your life will slow down to about .000000000000001 mph when the mess hits the fan. Everything is in slow motion, and each move you make is clear and decisive. Now, that is ONLY if you have trained for it, and trained well. Standard range shooting wont work. You need pressure... lots of it.

With that said, I carry 3 different guns on a regular basis: Glock 26, Glock 30, and a S&W Bodyguard .380. Know how to use them, and know how to draw them. Between these 3 handguns, I am basically able to wear whatever I want, be it shorts and T shirt or slacks and a tucked in long sleeved shirt, and in holsters from smartcarry, ankle, pocket, shoulder rigs, and IWB/OWB holsters.

No shame or fault for carrying different weapons in different ways, but my personal, hard earned advice is to be prepared, and know your weapon systems.