Risk vs. cost. Or, stated differently, risk of not carrying vs. risk (and cost) of carrying.

Considering the risk of not carrying, I pretty much choose to ignore the cost of carrying. I do NOT ignore the risk of carrying, and will do almost anything to minimize it.

I believe that I am in more danger of attack by a canine or a human than of a mistake in gunhandling by myself. I do not really expect any of them to occur, although this winter I observed three adult coyotes walking approximately together close to my house. They left when I knocked on the window. I used to occasionally encounter unfriendly dogs when walking, but I haven't needed a gun yet, and it hasn't happened in a few years. Human threats don't seem to be an issue where I live, at least so far. I do walk at night at least once a week.

I think that I can manage to carry a revolver in a belt holster with no show and tell and VERY little risk.

I choose to carry. Your circumstances might hint at a different choice.