Well...I pulled the trigger today and came home with something off my radar
I got a great deal on a Lowepro Mini Trekker...$130 out the door...cheaper than Amazon even
It has great space but still not "bulbous" for the urban environment. The waist straps are not removable although I can tuck them into the weather-cover area. Don't need to use space in the bag for the cover anymore...hear that, Kata?
I'm not crazy about the 2 giant pockets inside the flap but there's enough space inside the rear-most pocket I won't need to use them.
The K10+grip fit snugly. Unlike the Pentax bag, there is (purposefully) nothing above the hotshoe area.
I do find the bag comfy...got to load it and walk around the store for a good 15 minutes...even without any of the other straps.
I hope I've made the right choice, and if I didn't, I have a sizable list to continue to shop.
Thank you, everyone who responded