In the summertime I'll usually wear khakis and a polo. In cooler weather the polo changes to a button-down (long-sleeve). I only do the suit and tie thing if I have court that day.
Duty gun in an ALS with WML, spare magazine, and cuffs always. I put on the radio when going out of the office. Badges have to be easily visible (on belt, or around neck is arguably better).
I agree; I want it fairly obvious I'm a cop if I'm out and about. My job is plain clothes but it isn't UC.
Andy