I tend to be an "American Express" carrier -- "Don't leave home without it" My Taurus is on me as I type this in my dining room at 1:35 AM. It comes off to shower, sleep, go into a post office, and a few other rare occasions. As a post my son saw on Facebook said, "A gun is like a parachute -- if you need one and don't have one, you'll probably never need one again!" I used to only carry when going into a city or other place I deemed potentially dangerous, but I realize that my permit and weapon place the responsibility on me for the safety of not just myself and my family if they are with me, but others around me as well.