"But, the choice isn't OC or leaving it home. the choice is OC, CC, or leaving it home.
I can see where, if you feel you must carry in a bank, for example, moving the holster to a visible position, or tucking in a shirt would make a concealed carry, open carry. (This is easier with a Paddle or Belt holster than with an IWB style, though.)"
Given the choice of OC or CC, I'd pick OC, for two reasons. First, it's much easier. Second, I believe the deterrent of a visible weapon is better than the surprise after the mess has started.
In SC, it's against the law to carry any weapon into a "financial institution", so the point is moot for me. OC is not legal in SC, either.