In other words, I do not carry so I can go to places I would not otherwise go to if unarmed.
The flipside of that is I don't feel undergunned when I'm carrying a 5 shot, nor do I feel particularly vulnerable on the occasions that I am not carrying.
I carry a Glock 26 (which everyone knows is 9mm) and fell that it is more then capable for a SD round. Some would say that a .45 or .357 would be a better choice but 9mm with JHP ammo will stop anything I would need be.
Some of us have been in situations that they had to draw or felt like they needed to get ready to draw. These people have drawn from their situation and carry at all times. They also are more likely to be carrying heavier large capacity weapons. From my personal experince in the CA I found my 6 shot revolver did not have enough rounds to go around. When I got back home I bought a "wonder nine" 15 shot. I only carry autos with reloads for self defense. Nothing like a real life experince to make a believer out of you.