You didn't mention that we are all at the same risk. Anyway, as far as OC. I OC when I snow shoe or hike or walk my dog. My biggest threat is bears and other 4 legged critters. Although I can OC in NH I do not in the "cities". IMO it is not a deterrent and now it is something else I need to worry about vis a vis a BG wanting to steal my gun. I am safer by using SA and keeping myself out of situations. I think CC makes more sense in MY situation. Plus it does bring unwarranted attention good and bad. Sometimes I see folks on the trail and they stop me and ask about why I am carrying. I tell them for protection and then it is more questions. I am not an ambassador nor a teacher for guns. I want to be left alone.
All law abiding citizens that own a firearm should carry it with them at all times.