For me the odds are zero. I can’t vouch for how others might do it though, or what kind of holsters they use.
As a side note, when I carry a 3 finger grip firearm OWB at 3 o’clock, although it is very secure my elbow is often touching the firearm. I also have to commonly adjust my IWB 4 o’clock position holsters throughout the day because my daily activities cause my pants/belt to shift on my body (small butt). So never touching means no carry for me.