To each his/her own. My contention is, fumbling around in your pants for your pistol in your vehicle makes no sense to me. Regardless of the odds. After all, most of us will carry these guns EVERYDAY for the rest of our lives, and if we NEVER need to deploy them, that's a win in my book!
First of all, if all of your pistol is in your pants, you may want to consider a different holster. The grip should be sticking out and should be able to be gotten to with relative ease. But if you can't get to it with ease and you find yourself fumbling around, you could always train more and build up muscle memory.