Although it has already been said several times here, I'll toss my $.02 into the mix.
I've been in full-time, paid, professional law enforcement for almost 25 years.
Everyplace I go, I carry a gun. Outside of work related incidents, in all those years, I've only pulled it once, and that was an incident where some idiot got mad at me on the road, blocked my vehicle, and started running towards me with a nightstick. I came very close to shooting the guy, but didn't. When the local cops showed up, they told me that I would have been 100% OK with shooting him. I'm still glad I didn't.
For 20 of those years, it was "illegal" for me to carry a gun in a lot of places. I still carried it.
I figured, if I have a concealed weapon, and nothing happens, no one will ever know I had it. If something DID happen, and I really needed it, then I really didn't care about whatever problems may arise, because at least I was alive to deal with them.
Many years ago, I had people criticize me for carrying a gun everywhere. I had people say that they only carried a gun if they thought they would need it. My response was always "If I thought I needed a gun there, i wouldn't go."
Nowadays, there aren't as many critics. When someone does say something, I remind them that five Amish girls thought they were safe at school, and tragically, their next of kin found out that wasn't the case. I also remind them I have insurance on my vehicle, even though I don't intend on crashing it.
You can never guess, nor plan for what you may encounter. Be prepared for the worst, hope for the best.
If you live in an area where concealed carry is permitted, then carry. If you live in an area where it is not permitted, then carry, and strongly petition your politicians to make it legal. If you happen to end up in a position where you defended yourself, then hope that you truly have a jury of "reasonable persons" that would see that you had no other options, and that the tragic outcome was the fault of the bad-guy, and not you.
All that said, you have to make your own decisions. What risks you are willing to take, and which you are not, and the ability to accept the consequences for either path you choose. I've chosen mine, and I'm OK with it however it turns out.
And for my own disclaimer, the defense of "some dude on Treasurenet.com told me" is a weak defense
