Am I the only one going out in 1 layer T-shirt, shorts, and tennis shoes? I do wear underwear as well. Let's be realistic, even if you can open carry, I think that it is a bad idea in areas where it is not the norm. You are just aggravating people that don't know any better and letting someone with ill intensions know who needs to be picked off first. CC is preferable, though not necessarily the most comfortable.
Honestly, I am not really looking for CC people when I am out. I am looking for that odd person hanging around too long where it makes no sense or in general acting suspicious. In general whether I see the CC person or not, he is usually not going to be my problem.