I have a mesh multi-use jackert with elbow, back and small shoulder pads .... (my aversion to road rash) .. It has a removabale liner for cooler riding and it has an inside zipper chest pocket. Not sure about fast retrieval, but at least it's there. The waist is quite high as with many bike jackets, so IWB/OWB is really not possible.
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Life is good!
Nik Nak
A man is not old until his dreams become regrets... - John Barrymore (1935)
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