the only difference so far is my in holster vibrates 3 times ans my out of holster vibrates 2 times. both are set on vibrate and ring. so i have only carried in my pocket but I just bought both a holster and case with belt clip.
Out it's more than likely on normal/loud. I can never seem to find my phone when I put it down at home. When its holstered, its usually on vibrate since I'm in the office. Lol, the vibrate usually wakes me up a bit if I doze off during a meeting.
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I am in the same boat as the rest of the folks here. Vib in the holster and ring out of it. BTW this is one of the many things that really make the bb stand out against the crowd.