Since Mr. G.W. Bush signed the Peace Officers Safety Act of 2004 all of us old retired coppers can carry concealed anywhere in the country, so I don't have these worries. Colorado is an open carry state (typical restrictions re: schools, courthouses, bars, etc), and I have carried openly on occasion, usually in the summertime when it is hot. This has frequently caused unnecessary concern for others, so I do not carry openly any time I am likely to be around people, going into business establishments, etc.
In short, I consider carrying concealed to be more courteous toward other folks. Why cause undue alarm, even if only for unreasonbly fearful people?
On very hot days now I use a fanny pack with velcro pull, very quick access if needed. And it also holds my checkbook, flashlight, cell phone, eyeglass case, etc, etc, etc. Sort of like a purse for guys!
By the way, as a holster maker I find that I'm a lot like plumbers (leaky pipes in their own homes) and mechanics (their wives' cars always need work). All of my best products get bought, so I never seem to have the holster I want for myself! I'll have to correct that.