Preference and comfort
If you feel comfortable carrying the same handgun all year long, you may be in the minority. Many feel the need to get into a summer/ winter carry routine and I feel that is fairly common. Carrying a fiream IWB in the depth of winter may mean your gun is under 2 or 3 layers of clothing which can mean murphys law may come quicker.
Don hume holsters has a nice Jit Slide holster which depending on your body type might not be as uncofortable as a paddle holster, but still can be worn outside of the belt. The real issue every CCW holder needs to deal with is, “is this comfortable” and “can it be concealed”. There are always different scenarios and we must train to deal with threats, but coming home with injuries or discomfort is easy to prevent if we do the reasearch first.
Any experienced and well trainied CCW holder will tell you that it may be wise to change your holster or carry gun during the change in seasons. I’ve spotted more than a few CCW holders out in the open when it was pretty obvious that the machismo took the best of them and they just had to keep carrying that 1911 IWB at 5 o’clock in the summer months as they were 5’7″ and didn’t realize that when they were standing in line at the super market that I could see the T-shirt bunched up around the belt line.