I've been wondering the same thing. I got certified as an NRA Instructor so I could teach firearms classes and help people get their CWPs. So far I've gotten 4 people through at least one class each. Each of the 4 told me they wanted to get their CWP. To date (about 6 weeks after the first finished the class), none of them have yet finished getting fingerprinted and submitting their CWP application. I think eventually at least 2 or 3 of them will, and one of them may carry regularly as you were asking. So, maybe one out of 4 will carry regularly, maybe, and this was out of people who contacted me saying they wanted a CWP.
So, I don't think your numbers are too out of whack. Carrying regularly, or even always while legal like many of us here do, isn't for everyone. I think just learning the state CWP and deadly force laws "for real" in a CWP class changes some poeple's minds. Not that they oppose carry, but because the reality and responsibility turns out to be "heavier" than they thought it would be when they signed up for the class. It's one thing to imagine yourself blasting away at terrorists and robbers, it's quite another when you learn about all the things you're responsible for and can go to jail for. I do what I've heard of other instructors doing- I tell the students in the class that I'm going to try to scare them into NOT using their CWP, and they should only use it if they can get comfortable with some of the legal aspects that the average non-shooter doesn't know or think about.
That was me a few years ago, actually. I got my permit after 9/11 and didn't use it as a CWP for several years. (I always had a pistol in my car, but in FL you don't need a permit for that anyway). It took me a couple of years to "get it" and evolve my mindset and habits into what they are now. I don't see why most people wouldn't do similarly.