What is your response once the perp shoves a 38 into your ear, belly, back of the head or openly displays it standing 5ft away from you nervously demanding your goods or your life?
Whatever seems like it will get me out of that alive. That may or may not include cooperating, depending.
If I survive, I'll spend a LOT of time figuring out how in the heck I let that happen, so it doesn't happen again. Or FOUR TIMES!
For me to carry a concealed weapon I’d just about have to figure to be on guard the whole time
Yes. We call that living in Condition Yellow. You're correct: if you go around in Condition White, being armed is going to have far fewer advantages, and may even be a disadvantage. So, we live in Yellow. No big deal.
… probably with my hand in the weapon.
Why, exactly? Typical draw-aim-fire sequence takes 2 seconds, 1.5 if you practice (and I know some are faster). By having your hand on your gun, you probably trim it to 1 second. That's stll not going to beat a gun that's poitned at you.
Having your hand on the gun, by the way, can be easy: carrying in the pocket of a jacket in the cooler months, for example. You seem to consider both of these techniques--staying alert while armed and carrying where you can easily have your hand on the gun when needed--to be ridiculous or onerous, when in fact they are commonly practiced and employed.
Personally, I merely can not adequately support such a precept
You seem to have many assumptions:
1) That you will be taken completely by surprise by an armed attacker.
2) That submission will be the best option
3) That since you're going to submit, it's best not to be armed, or armed with just a few "bullets."
To the extent that others disagree with your assumptions, they will perhaps support "precepts" that you can't.