First, you might want to post your question on the VA forum...just keep scrooling down to it. welcome to OCDO
Second, I have OC'd (mostly, except winter when my coat may cover) for over 40 years. I live in an OC friendly area of an OC friendly state (WA) so your mileage may very, but I have had one two word conversation with a Sheriff's Deputy, and one case where I know for a fact that my holstered weapon stopped something, before it ever started. As soon as the guy that was obviouly intent on doing me harm saw I was armed, he left, in a hurry.
Situations like the one mentioned may have happened before/after, but none that I could positively say my holstered carry made a difference. But when I guy is reaching into your car to drag you out, and all of a sudden changes his mind? I OC to prevent problems, not create them.
Anyway, first, a very good high retention holster is a #1 priority. Second, do not handle your weapon, unless you intend to use it. If you want to check, use your elbow. This is why you want a high retention holster. Nervous Nelly's are the ones people notice and call the cops on. OK.
BTW: if someone were to try snag your carry, your elbow is what you stop them with. Push down on the carry as hard as you can so not only do they have to fight the retention, they have to fight your arm to remove it. OK? The chances someone will try to snag it are very slim, but JIC.