personally I only cc, and oc is legal in most cities in MO, because if the feathers start flying I want to look like all the other people until my piece comes out. I want to have the option to decide at what point in the bank robbery, gas station stick up, car jacking, ect... I surprise the BG. I am totally cool with oc I just like to reserve the element of surprise for myself. when a bad guy pulls a gun/knife/baseball bat you are already working at a disadvantage, he knew what he was about to do and you didn't. so I want to surprise him back. IMO I feel like if I advertise my position as being armed, I'll draw focus to me. but if he has no clue, then while he's focused on the clerk/teller/ect then I will have a little freedom, to draw without eyes on me.. this is for me, if you oc than maybe you'll scare them off before any of the previously mentioned occurs. but who can know ahead of time what one BG is thinking. so I choose cc