The thing about carrying a concealed firearm, for me, is that most of the time you need it to defend yourself, it's either overkill, or your attacker already has a gun pointed at you, in which case it's likely too late. In nearly any situation where firearms are NOT involved, all I really need is a stick, and I'm a force to be reckoned with. In many circumstances, my wits, fists, tattoos, and loud voice are enough.
If I COULD carry, legally, I probably would, if only to stop something awful from happening to someone ELSE. I do bring my XD 40 with me on longer trips in the truck though, you just never know.