Further internet research led me to this conclusion:
This evening I purchased a pair of black double front Carhartts.
I cannibalized an old Joe Rocket jacket that I had hanging in the closet for the elbow armor, ( I have knobbly knees).
With some massaging (read, exacto-knifing). the openings at the bottom of the double front were enlarged to fit the elbow armor. After stuffing the armor up inside and making sure it wasnt twisted or folded, I stitched the opening closed to its former width so the armor couldn't fall out.
I consider these to be a happy medium between ATGATT and NOTGATT and will use them mostly for commuting and town work as I feel the Joe Rocket pants are still superior in terms of abrasion resistance.
I will report back on their usefulness soon.