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Only when wearing very baggy clothes - rain gear or puffy jacket or something like that. Even then it's not really a problem, I just want to make sure I don't accidentally blow a shot. Otherwise, I don't bother wearing one.
so when i got my huntin coat on for the late hunts i can just wrap some tape round my wrist to keep it outa the way though right?
You said you haven't hit your wrist yet, so I wouldn't bother buying one. I've never hit my forearm and never owned one. I have several friends who are constantly slapping their forearms, and they use them. I feel it's your shooting style, grip, and genetic arm makeup that determines if you should use one.
If your draw length is right and your form is proper you won't hit your arm.