For me, I greatly reduced my liability by changing my mindset once I got my CWP. Prior to getting my CWP and actually carrying, if I encountered a situation that was intrusive or offensive to my personal space and sensibilities I was pretty quick to call BS and even confront the person(s). Since I started carrying and understanding the potential lethality of doing so I don't find myself reacting to idiots any more. I get much more satisfaction letting idiots go on about their blissfully stupid ways with a smile on my face.
With this adjustment in my mindset, I'm pretty certain my liability is minimal and in the event that I have to present or discharge my firearm for self defense it is going to be fully warranted.