Most of us are familiar with the rules of firearms safety, and most of us know that rule #2 is: Never Let The Muzzle Cover Anything You Do Not Wish To Destroy. But, let's get our minds out of lock step and think about this for a moment. When we are carrying inside the waist band, do we with to destroy our rear end ? How about that chair we are sitting in ? Car seats ? ....................
Let's say we have our gun in a shoulder rig. Does that muzzle ever cover anything we don't wish to destroy ? Most of the shooting games don't allow the use of shoulder holsters for a reason, and that reason is that the muzzle of a loaded gun is covering everything behind it.
I could go on, but suffice it to say that we often cover things with our muzzle that we don't intend to destroy. I have a safe full of guns pointing right at the safe wall, which I don't want to destroy.
So, we have to make a judgement call on whether we are covering something we don't want to destroy in the safest possible manner. In the case of the neck holster I have, I decided that the chance of a ND are basically non-existent. Obviously, this is a decision that only you can make for yourself.