I voted for most of the time.
I can't carry at Church due to state law, nor will my fiance's mother let me carry when I'm over at there place. As of right now, I can't carry when I go out to eat where they serve alcohol (Hopefully that will change this year)
One of my hobbies is fencing (with swords, not wire) and there really isn't a good way to conceal my weapon while I'm doing that, nor do I feel comfortable leaving it in my gym bag. So I lock it in my car. Oh, I also tend to leave the gun in the car if I'm at the dentist, doctor, barber, etc. It avoids awkwardness.
Really I carry 98% of the time, 99.9% if you count the time it's locked in my car.
I carry at work everyday (benefits of working for family) and it's just my habit if I'm leaving my house to slip my CZ onto my belt.