If you go out in hot and humid weather in tee-shirt and flip-flops you should at least have a securely closed pocket to store your PSK. It could be a shirt front pocket with flaps and button closures or zippered pocket or cargo shorts.

I would even go so far as to say that you should have a secure pocket to store your PSK in your sleepwear. Yes you even have to sleep with your PSK if you want it to be justified! I mean a disaster could strike in the middle of the night. But I must be honest, I don't do that yet.

François