This is absolutely a personal decision, and a serious one, so I will not try to convince. Here are some considerations that weighed into my decision.
1. There are very real threats to my personal safety (as well as that of my loved ones).
2. Many, BUT NOT ALL, threats can be avoided.
3. I will ALWAYS seek to minimize risk at all times using a variety of tools and behaviours (awareness, avoidance, clean living, good perimeter lighting of the home, strong locks and plates on doors, etc...)
4. Number 2 still holds true, and there is a very real (though statistically small) chance that there may come a time when a lethal force tool is needed.
5. A CHL allows the option of having an effective lethal force tool handy, should the need arise -- and exercising that option 24/7 except where prohibited seems like a fairly low-cost "insurance policy" against becoming a statistic.
No person in their right mind wants to pull a handgun and shoot anyone. That said, there are people who are not of their right mind and some enjoy harming others. I do not always, without fail, know when I see one of these people so that I can try to avoid. Do you?
Best of luck to you regardless of the choice you make. BTW,
www.TexasCHLForum.com is a good place to discuss CHL also.