I am a retired federal law enforcement agent with 38 years experience. I carried daily, at first in uniform and later plain clothes. Fortunately, I really never had anything really bad happen to me. For that I'm thankful. I had some colleagues that said they would never carry a weapon again after retirement, as they were tire of lugging the pistol (Glock 19s) around.
After retirement, DHS let us keep our ID's so we could continue to carry, partly because of all of the people we arrested in our careers. I have always been a "gun person" and chose to continue to carry, which at the time was an HK P2000SK. I never went into any so called bad parts of town and was always cognizant of those around me. But, I still carried every day. Sometimes it would be tempting to leave the pistol at home, especially when the temps were high. However, I still carried it.
I had taken my 94 year old grandmother shopping for groceries one day in her neighborhood. It was in a "good" part of town. During shopping, though, I noticed 2 young males very interested in us. My grandmother had to hold on to the basket to shop, so I helped her with getting her groceries into the basket. When we would get near the front of the store, the 2 males would wander off and "look" at magazines. When we would get to the back of the store, they would be standing at the front of the store looking down our aisle. Finally, they began running at us as fast as they could. No one else was on the aisle but us. I got by HK out and began drawing down on them. When they saw the weapon, they immediately turned around and ran out of the store. I then reholstered my pistol. No one, including my grandmother, had even seen me do this.
I spoke with the manager of the store before leaving to let him know what had happened. He said that 2 weeks before our incident that 2 males had knocked down an elderly woman and took her purse. She suffered 2 broken hips in the assault.
That incident encouraged me to continue to carry my weapon. There is a very good chance that assault could have either very seriously injured my grandmother or killed her, being 94 years old. I'm not a small person, but I knew I could not have effectively stopped the 2 young men before they hit my grandmother. That incident also caused me to continue to carry large caliber pistols. My current carry pistol is the HK45CT. I do not believe if I would have had a .380 that day that I could have stopped the two men. Hitting someone in the head while they're running at you is nearly impossible.
Since then, it has been about 10 years now, and I have not needed my weapon. However, I still carry it daily no matter where I go or what I'm doing. As Clint Smith at Thunder Ranch says, "Carrying a weapon is not supposed to be comfortable, just comforting".
Good luck with your decision. I personally believe you'll find a new level of confidence in yourself if you go through with the CC process.