I just went to a Safariland Level III, but only because they were out of Level IIs and my holster started falling apart. It as a move I had contemplated for a long time, but I finally decided that since most of the time, when something bad is happening, my weapon is already out, it wasn't much of an issue.
I carry my duty weapon off-duty for the most part (A SIG P229), mainly because I am more used to carrying it than anything else. I carry on my strong side hip (maybe back a little) in a plain vanilla cheap Uncle Mike's thumbreak holster with my shirt untucked. I work plain clothes for the most part anymore, and that is the way I carry to work every day. It is not very "well" concealed, but so many people carry cell phones, pagers and PDAs it has to leave them guessing. I have been busted by little kids more than once at the checkout line, though. I guess looking up gives them a better perspective for concealed weapons detection.