If your going to do it,
do it right.
Off body offers another complication. In Ohio my wife technically can't sit in my car with a firearm in her access as she does not have a CHL. If I go into a store and leave the bag in the car it might be an actual problem. If I leave the bag in the car and she decides she needs to drive my car for some reason, then there is for sure a problem.
More of a concern with "glovebox" guns, but still possible with off body carry depending on state laws.