I'm a professional locksmith. I've been in thousands of homes and businesses. I carry.
Since I can find myself going from one end of town to the other or to other cities near or far, I can't predict when I "think" I'll need it.
There are some places that I don't carry. Have to leave it in a lock box in my work van. Those are obviously areas where it is not legal like court houses ect....
Examples of why I carry and will continue to do so.
Several years ago a lady calls me out at night. Needs her locks changed. I get there, she says the lock on the front door. I change it and while I'm waiting to be paid, in walks her deadbeat boyfriend who immediately demands that I give him a key. Then at the top of the stairs appears ANOTHER lady that I hadn't seen or talked to. Turned out her girlfriend called me out so she wouldn't have too. The side of her face was black and blue and bloody. She screams at her boyfriend and yelled obscenities at him while I stood there. She paid me and as I tried to sneak out the front door the deadbeat grabs me and asks for a key again. I said no. Then he pushed me. So I pushed him down the stairs. (he was ok but I didn't care).
We secure crack houses.
Change the locks on businesses because "we fired someone and they are a gun owner!"
"I'm the executor of the will but my brother just helped himself to everything!"
Like law enforcement, we get to see the worst in people. Just not to the extreme as cops do. I've been assaulted twice. Bit twice by dogs that supposedly didn't bite. Been threatened many many times because they got evicted or thrown out by their significant other. I've even been chased away from business by employees that were loyal to either the husband or wife as they were getting a divorce.
After twenty years of doing this, yes you bet your behind I carry. I carry one gun (two after dark), a reload, Benchmade knife, and a Streamlight.