For me, two words: Luby's Cafeteria. October 1991, Killeen, Texas, man drives his pickup through the windows at Luby's and then proceeds to shoot and kill 24 people. People just having lunch, working at their jobs. Out of all the stories out there of innocent people doing normal things at normal places, this one sticks with me the most. The experience of Suzanna Gratia Hupp, who is now a Texas state rep, is a situation I can picture myself in. Just having lunch with her parents at Luby's. Watching them die, and desperately wishing that she had in her hands, the gun that resided in the trunk of her car.
I initially got my CCW thinking that I just wanted to be able to legally have a loaded gun in the car. Then I read an article by Rep. Hupp about that day. When my mother showed some suprise that I had bought a holster so that I could carry on my person, I told her this story and she just nodded and said "good idea".
Just like the rest of you have said, I don't carry because I go to lots of unsafe places, I carry because a "safe" place can become deadly in the blink of an eye. Just because there are deranged, unstable, and just plain evil people out there. I think it boils down to, I don't want to feel, or be, helpless. Having a gun doesn't guarantee that I will escape a bad situation but it will even my odds, and since it's my legal right to do so, I'll certainly take advantage of it. It's sort of like participating in your company's 401K; it's there for you, you don't have to do it, but if you don't, you're leaving money on the table (their match). I don't want to leave advantages over the bad guys "on the table".