To the OP- yes, there are different circumstances.
I live in south Louisiana. During regular times, if I were to CCW, it would be something small; for example something like a surplus Polish P64. Small, compact pistol holding 6 rds of an acceptable (for me) caliber, 9x18 makarov. It's operated reliably, it is small enough to slip inside a pocket if need be, in fact it's my smallest centerfire pistol.
I'm just into collecting and shooting for fun, and during such times, I've never felt I HAD to CCW. The closest I do is carry inside my vehicle, and that would tend to be a CZ-82; again a 9x18 Mak pistol, a bit larger but still fairly small, 12 rd magazine. It's there in the event I have to stop in parts of town I normally would avoid; car problems, etc. Because of the layout of the city, I do have to cross some rough areas to travel from my house to most destinations, so it is an unavoidable possibility. One I've never had to defend myself in, thankfully.
We currently are still a disaster area after the floods, and I also remember how things were whenever hurricanes hit.
In the Post-Katrina time period, people were angry and not particularly law-abiding across all segments of society (to say it in a polite way). People would flip you off and curse you, just because you drove past them in the street. Generators that were running on houses would walk off, if they weren't chained to the house securely. Many folks had lost everything, and/or had their treasures lying out in the open to try to salvage.
During such times as this, I do sometimes feel the need to carry, and it is open. Fullsize CZ 75, Beretta 92 or similar, in a good retention belt holster, and sometimes 12 gauge pump with an 18 inch barrel close at hand. An AR wouldn't be out of place, instead of the shotgun. Not for going to the store, but for reminding the wandering 2 legged stray dogs that my property isn't easy pickings.
The firearm I choose in this case is larger (as I said, fullsized), will carry a full 18+ rds of 9mm JHP that I've confirmed it feeds well, is clearly visible and recognizable (and hopefully a deterrent to random stragglers who are looking for easy targets), and I have already determined I can shoot accurately, quickly, and with no problems. Regarding the weight, it's no heavier than any number of other tool I may have on a belt at this time.
This still isn't "going to war", but it's a big step above normalcy... and it unfortunately does happen at times.