One thing to remember about cross draw...
If you are in contact with a goblin, your draw stroke is very weak.
It would be very easy for them to overpower your draw.
Sorry, I have pull an internet samurai mall ninja on this one...
I carry IWB or Paddle crossdraw most of the time. I don't do it in the appendix position but I move it left more so it's between my appendix and where my offside mag pouch would be. It aids in concealability and I find it more comfortable since the gun butt won't jab into my beer belly as I sit.
That being said, if you are concealing it the way you should be, first of all, what would the baddie be preventing? He can't be trying to prevent you from drawing something that he doesn't know exists.
Second of all, if the baddie is that close, you have other worries such as being stabbed or pummeled to death by him before you can draw from any means, shoulder, strongside, ankle, out of your trunk, in your gun safe, from Bubba's truck mounted gunrack, etc.
Expanding on the second point, if the bad guy is that close to me and has a weapon, I am in a world of hurt already. He can stab me quite a few times before I can clear leather. If he is swinging a bat at me, I can feint and dance a bit as I draw and at that point, it makes no difference where I carry.
If the baddie has no weapon and is that close but wants to fist fight, would I be justified in drawing a pistol and using deadly force or am I just introducing a gun into the equation and escalating it? This is more of a California answer since victims here are often the ones in the wrong as the perps get to sue us for injuries caused by his actions which mandated my reaction.
Lastly, if a guy is busy with his hands reaching for my gun on my waist, his next move will be putting his hands on his face as he is looking for his eyeballs that I just gouged out or craddling what's left of his reproductive organs after I introduce them to my kneecap a few times at full force.
I am not saying this because I am Chuck Norris or because I am a retired Ranger Seal Delta Green Beret GSG-9 SAS SBS FBI HRT SWAT SERT SORT SRT HBT ESU NFL UFO NAACP NBC CBS MSNBC certified operator that can kill with my weak hand pinkie on a bad day.
Just saying if someone is going for my gun, it's on and all the rules go out the door.