That's pretty good:

% tr '1234567890qwertyuiopasdfghjklzxcvbnm,.' 'qwertyuiopasdfghjkl;zxcvbnm,.'
23ppl 8 u7w5 w5q45 5608jtl qhe 8r 5y8htw o99i r7hh6l 8 ih92 8 j8ww3e 5y3 y9j3 492l
we;;. i just start typimg. and if things look funny. i know i missed the home row.
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Bitt Faulk