Well, I'm fairly new to carrying. Only been doing it for a little over a year. I will say that I now feel uncomfortable, if I'm vertical and have my pants on, to not have my gun on my hip. Having said that, I've been faced with this decision and I carried. Never occurred to me not to carry. This is how it went:
A person I only speak to once every few months, but have known for years, was having his son join the Marines and threw a going away party for him and invited me and my son (they are friends too). Show up, booze is flowing (except the soon to be marine who's shipping out the following day). I ask my friend if his SIL is going to show up because he's a jerk and when he gets drunk he can get violent. My friend said not till later, and I expected to be gone by then.
Jump forward about 30min and said SIL shows up with a nice Ruger on his side (open carry). Apparently, he got a job where he's allowed to carry. He promptly unloads it, shows it off and around, ect. Talk drifts to guns, slightly, then goes back to what it was before. Military life, questions about foreign places, ect. 20min later, my son brings me another water and quietly asks if I was carrying (said SIL is NOT drinking). I replied with a "what are you stupid look" and he said he was surprised I didn't "whip" it out and show it off and I replied I'd rather nobody know I was carrying. He understood and it wasn't mentioned again. And I never discuss Politics or Religion with people I'm not very close to, whether I'm carrying or not.
If SIL would have started drinking, I would have asked him to put the gun up. He's easy to handle once he gets drunk. No balance and a slight nudge will send him to the ground. I had no "fear" i'd need my gun, but again, I didn't really think about it, because I just carry. Like other people said, it's like my wallet. I personally feel it's like American Express. Never leave home without it.
Now, on the flip side, we're throwing a 4th party at my house and there will be drinking. Probably lots of it. I sometimes have people pitch tents and if you're drinking you don't leave unless you have a sober person driving you. We start the day out shooting...usually right after an early lunch. The booze doesn't start flowing till later that afternoon and once tops get popped, guns go bye bye. If you are carrying at my party AND drinking AND I don't know about it, then I won't care. If I catch you, and you're drinking, I'll ask you to put it up because it's not safe. But safety is my only concern. If you are not drinking and I catch you, I may pull you aside, let you know I saw you printing, so you can adjust to prevent it from happening again.
Not everybody I know, or am friends with, knows I carry. Only my close friends. I usually open carry on my property so if you come over, you'll see my shield on my hip, but if we run into each other out in town, If you don't ask, I won't tell. I like it that way and that's the way I'm going to continue doing it.
FYI. I don't think it's rude to carrying on somebody's property without their permission, if they don't know. What would be rude, in my opinion, would be open carrying and being trying to be tacticool by bragging about it.