I added both those Holster makers you folks have been talking about to the Holster Mfg sticky.
I really never once had a problem carrying my CZ 75 concealed not once in 30 plus years? or is that 40 plus? Either way, I think the biggest thing you have is that you are simply not accustomed to the idea of carrying concealed add to the fact that you are (I think) new to weapons and carrying them on any basis other than at the range. Maybe it's easier for some of us since we are ex-LEO's or still on the job, or Military or what ever and so when we go concealed it's not a big deal for us, We have had years to get used to not only carrying a weapon but also being out in public with it, either openly carried or concealed. Trust me I know exactly where you are coming from when you talk about your weapon/holster and using the toilet. Frankly it isn't much easier with a shoulder holster, just different set of issues and room to move in. The best advice I ever got was when you go to use the toilet, before you drop trou, take your pistol out, drop trou, sit down and put the pistol in the crotch of your pants, That way you can never forget to put it back into the holster like you might if you set it on the toilet paper dispenser, or the back of the toilet if there is a back. Depending on what you are wearing in regards to pants and socks and shoes you can also simply instead of putting the pistol it the crotch of your pants once you are sitting put it in your sock or down your shoe or boot. Then when you get up you simply pull up your pants, fasten them, and then reach down and safely put your pistol back in it's nest. Either way you try it you will never forget your weapon no matter what happens or how much of a hurry you are in.
Getting used to CCW is not something you can do over night or even in a week, Hell, I CCW every second I leave the house, and I have all the credentials I need, but every now and then I feel like when a LEO looks at me he knows I'm armed, or guilty of something. I'm not but it's a hard feeling to shake. I think about the only place you really feel comfortable carrying is when you are with a group of friends that either also carry or know you carry and don't care. Maybe that's just me.
No offence Seriously I mean this NO offence intended but you are over thinking this, it's very natural to do that, and it's harder to relax about it, but just stop thinking about everything that could go wrong and how weird it feels, then at some point you will get to a point when you actually stop and think. "Hey I haven't thought about my weapon in a while" and then you will know from then on you will be ok and not be paranoid anymore about having a weapon on you. Well unless you walk into a Bar or a federal building and the Post Office counts as a Federal bldg. I'm pretty sure no state allows you to be in a bar drinking anything stronger than water with a lemon twist, (oh ya and I won't give you odds on how many of us "CCW Veterans" have forgotten that rule.
) As for the federal bldg, you may either simply turn around go back to your car or if they have them put your weapon into a locker that you get to keep the key, then go through the rest of the entry procedure.