i guess i do too
nothing for Mincha and Maariv though
i heard that the main meaning of the gartel is not for a separation between lower and upper body, most men wear belts or other clothing that serves this function (elastic waistbands)
i heard that the members of the kings court, the nobility, would wear it when they stood before the king. it is a garment of distinction for the wearer and kovod for the king. i wish i could wear a gartel but alas i was told it wouldnt be proper (for me)