I think about the open/concealed thing a lot. I still conceal in public, but I am getting less and less "total conceal" at times. These last warm months, and we have not been overly hot this summer, I have quit putting on a sport coat when I run a quick errand. I just untuck the dress shirt and cover the gun (I leave the shirt tucked, but for the four or five inches where the gun is the shirt is treated like a tuckable holster which I don't have). I have had zero comments on it.
I'd rather try to keep it covered to some level, than to cause negative reaction by flaunting it. However, if it is noticed I will deal with it then.