Mellman.. Advice was given to me years ago.. by my dad who is retired LEO, who in his 20+ years of LE had to draw his weapon on several occassions. He lost a partner on a 'routine' traffic stop. He never went back on patrol after that and worked county jails for the remainder of his career. He was still LE and could and did choose to carry off duty. Not that he was afraid, and as he told me, and to this day he still has not unholstered his weapon for defense.
It's not for when you will never need it, it will probably never leave your holster in defense.. it's for that ONE instance you do need it.
My gf when she first found out I carried (several months into the relationship, it does tend to get hard to hide it at times) asked why I felt the 'need' to always have it with me.. I always told her because you never know what could happen, there are evil people in the world. We were shopping at a local mall the day the shootings happened in Omaha, it was on a TV in one of the stores.. she looked at me and brushed up against my side... then she smiled, later in the day at home she said 'now I understand'.
Since she has gone to the range with me on several occassions and while I'm not a great instructor (I am STILL learning) she has improved drastically and plans to get her permit. She is a nurse and works nights on a rotational basis, I purchased her a taser, training cartridges and we have worked some scenarios with it. She will take a few actual classes and range sessions with real instructors and get her permit.. whether she will carry or not I can not say but she will have the option if she ever wants or feels she needs more than her taser.
I carry for work. I carry at home. I carry in my car. I carry if I am only running to the grocery store. It took me some getting used to, some time to stop thinking everyone was staring at me, or that my gun was showing. Now I honestly don't notice it on my hip, I am very aware that it is there though.
So ask yourself if you want the option. There are risks, like someone seeing and calling the cops, but that TIME you need it.. could make all the difference.