Freedom and liberty do not come cheap.
No they aren't.
It also comes as a surprise to most people that you don't get a "free lawyer" to defend yourself in a criminal trial. The "if you cannot afford an attorney one will be appointed for you" line of a standard Miranda warning doesn't include all the disclaimers. The court will determine whether you can afford an attorney or not. Have a house with equity? A paid off car? Savings? Retirement accounts? Well heck, you're rich and can afford an attorney! The court is likely to require you to pay for your defense, even if an attorney is appointed, though it may be at a much lower cost than on the free market if they do appoint one. Then again, do you want to go with whoever they appoint?
My point in all of this is to bring attention to the costs that may be incurred and the need to be prepared to pay those costs in order to maintain your liberty and freedom.
I often carry "sterile" (i.e. no ID on my person) unless I'm in an area that a CHL is required and don't ID myself. Some officers don't like that so the probability of being arrested is not zero.
My family and friends have standing orders. If I'm arrested while OC, do not bail me out unless you hear from me personally that I want to be bailed out. The main reason for this is that bail typically includes "conditions", restrictions on your rights. That's not acceptable to me. Further, in Oregon, the state owns the bail system (no bail bondsmen) and they will do their best to keep the bail posted even if you are aquitted. There has been some case law on this now which makes it harder for them but it's still a fight to get your bail (intended only to ensure appearance) money back. And finally, I know the jails are overcrowded and they're probably going to have to make room for a real criminal in short order. They boot a lot of people from the jail around here that really should still be in jail, they're not going to keep someone like me.
Many people do not comprehend how the system works. They have been sold a bill of goods that doesn't exist. The utopian view, promulgated by society and the education system, that all will be well if you're not guilty of a crime. Even in the case of a "disorderly conduct" or equivalent charge that you are absolutely not guilty of committing, you will incur financial costs and possibly even have your freedom infringed. One of the local OC'ers just went through this. While all charges were eventually dropped, he spent the night in jail, had to bail out, had to hire an attorney, lost the use of his property for months, and faced the potential for jail time.
The state will also "pile on" charges in an attempt to obtain a plea bargain. Even when the police were completely in the wrong, they will often do this. Taking the plea insulates them (to some extent) from civil liability. For the same reason, they may very well drag it out hoping that you either 1) run out of funds or 2) get tired of the BS.
So, as regards the OP question, if you're prepared to defend your actions and deal with the costs (financial, lost liberty, and others), and you believe OCing with an IWB holster is legal (as I do) then go for it. Just be aware of the potential costs, all of them, before doing so. For our founding fathers, the potential cost was hanging, they decided that potentiaol cost was worth it. This is a lower cost, but the OCer must make an informed decision on whether they are prepared to pay the cost if it comes to that.