Personally I think level 1 is enough for civilians. We don't intentionally seek out criminals like police do and need that protection less than they do. I really haven't used a level 2 or 3 holster myself but after watching NY police officers draw from their level 3 I am not tempted to. I just think those holsters seem to slow your draw to much and border on overcomplicated for the user. I almost think one could do an Israeli draw from a level 1 faster than some level 3 holster but don't quote me on that.
I typically use thumbstrap pancake holsters for my OC weapons. You might look to some of the custom makers for a holster of you liking.