If I am carrying, i hit my wallet at least twice before i even leave the house. Simply because I have done this before, except without the gun. Just pumping gas and realizing there is no wallet in the pocket.
I, too, find myself checking on my wallet on the way out the door, at least once in the car (every few miles on the bike), then again before walking into a store, or work. Then again, maybe I just like touchin' me own bum.
I too have thought about the card holder in the holster....