On the rare occasions that I OC, I use a Serpa with the paddle mount. That thing is SOLID and honestly a pain to remove. Not only do the hooks grab the belt, but there is a 3rd hook that grabs the inside of your pants. I usually use a the belt mount when I shoot IDPA though, it's a little more comfortable.
There aren't any cool classes around here that'll get you in the dirt so the retention lever has never been an issue for me. I've heard about it, just never seen it. I know a few training schools (FrontSight is one) don't allow the Serpa holsters, for either that reason or for the ND risk. As a side note, I just got back from the range doing some holster practice and just realized didn't even think about the lever. I've been using that holster for a couple years now, but it's so intuitive...
2012 Silver Rubi. AEV 2.5" lift, JCR Dagger front bumper, Superwinch EPI 9, JCR engine skid, ACE side steps, RR 7" HID lights, Wired HDH switch panel
formerly- 2001 Yellow XJ, 7" longarm, lockers, bumper, winch, armor, lights, etc