I don't carry concealed..often
Because
1) 90% of my time away from home is going to/from/at work, where firearms are not allowed.
2) I seldom visit areas where there is significant risk.
3) Most of the time when I do leave home armed, the gun stays in the car.
That said, there are times when I do carry, but they are few. One of the times is when I am transporting firearms (to/from range, etc.).
I live in a rural setting, nearest neighbor is hundreds of yards away (and that the wife's mom), I seldom spend time on the ground in urban areas, aside from weekly/biweekly shopping, and I have not been in any major city in the past 20+ years.
I have a CHL to cover myself legally when I am armed, and to avoid the state waiting period, which is waived for CHL holders. Carrying concealed on my person is just not a large part of my lifestyle. Having a firearm available to me, but not on my person is sufficient for me, most of the time. It has worked well enough for the past 30 years, and I doubt that will change if I should happen to have 30 more.