Re: Open carry (OC) and retention, I had the same thought. I live in FL now and OC is not legal. But, If I were to open carry I would use my OTW retention holster due to risk of someone snatching from behind or grabbing during a scuffle. I have never concealed carried without a holster to cover the trigger. Carrying without a holster seems to just be asking for an accidental discharge.
“I have never concealed carried without a holster to cover the trigger.”
I like trigger holsters. Complete coverage of the trigger and not much else. Similar to this: https://www.gungoddess.com/products/trigger-guard-cover