Heres my process. If i sm in an area of concern i carry the skirt in hand. Just takes a second to wrap and seal velcro. I carry it e velcro unsealed for speed and silence.
Looks like it would cover when you are standing up, but probably won't if you sit, bend or squat
@Sunseekerjim, great solution. I have a swimsuit modified to a kilt, lovingly made by a friend. Slipping it on avoids getting hung up in leg holes (which I have done in the past and happends regardless of leg size) but is not as fast on and off as yours seems.
+1 on the loincloth. Closest thing to being nude. I sport a home-made, Grateful-Dead patterned, 2-panel cloth with a velcro tie. Flip the panels up under your pack and belt-line until you encounter textiles. A quick flip and you're covered. Works great on remote trails and beaches and you get sun on your hips when deployed.