I know you said your neighbors are unlikely to think the fanny pack is odd, but...really? If I saw one of my neighbors out in PJs and a fanny pack, the first thing I'd think is "Freak." Then I would have a sort of aha moment and realize it was a gun. I would expect cops responding to a call would think gun right off the bat.
You said a windbreaker type jacket is not going to work for you, but have you considered a robe, which wouldn't look out of place at all, or a windbreaker as a cover garment over a gun belt or one of the chest rigs somebody linked to? I would think that might be a decent combination of fast and inconspicuous. Plus, that might allow you to duplicate your day-to-day carry position and avoid having to learn a new skill set.
These are just some thoughts I had as I was reading the post and thinking about how I might do it myself. Thanks for starting the thread and getting me thinking about it at all.
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