Yeah I just pull the shirt down. I don't wear t-shirts. It's freakin HOT in Florida right now. So if it has sleeves I don't wear it until about November. lol. It would not be very easy to pull your shirt up without causing a stir. lol. I guess if you loosen the carrier enough you could do it though. For me it's just easier to pull my tank down and use the hood as a cover.