I have several of the Serpas. Use them on an almost daily basis. Love em.
I never wear them though.
They make great vehicle gun "holders".
I wear overalls 99% of the time. I always have a J-frame .357 in my pocket holster (S&W 60-14).
But sometimes I want a little more firepower, for whatever reason, usually predator targets of opportunity, and occasionally security type jaunts (checking on trespassers etc) and I find the Serpa a decent way to keep them on hand, loaded, and safe when "off body".
I have one mounted one my 4 wheeler, one in the off road farm truck, and two for the different tractors.
I've gotten them kinda dirty, especially on the 4 wheeler and tractors. I haven't had an issue yet, and even if I did, it's generally not gonna be a life and death (my life anyway) situation.
I've had to draw and shoot kinda fast a handful of times. Once when a snapping turtle was going after some of the baby ducks, coyote sightings, one bobcat issue, and a couple of other situations. The only one that came close to being an adrenaline dump was a feral dog pack situation that got a little hairy.
None of the above situations were under a match clock mindset, nor really the kind of adrenaline that one would experience with a human on human situation. But, when drawing from off body the "trigger finger curl" impulse does not seem to be as strong. So they work ok for my purposes.