Your experiences are very similar to mine.For personal convenience, I typically OC whenever the weather permits. In the 10+ years I've been carrying, my experience is that most people don't take notice, and most that did have said "Thank you.". A few had questions, like "Where did you get your holster?" or "What are you carrying?". I took these encounters as opportunities to inform and educate.
ADulay...the comment that gets me chuckling out loud...Your experiences are very similar to mine.
The thing I hear the most from people asking questions is "I didn't know you could do that."