Part of safe concealed carry is being "concealed"...
Carrying a utility belt is hardly being concealed. And, the enemy of any CCW is having his "cover" blown. One could have some problems then.
As for driving, granted, driving is dangerous. However, with some 150 million cars on the road and all of the hours I've driven in my life, knock on wood I've not had any serious accidents. And, I purchased and drive a safer vehicle than the norm, wear my seatbelt, and have front, side, and curtain airbags. So, I think you're wrong that driving is necessarily more dangerous.
Regarding the helmet.... one might think that wearing a helmet would not only look ridiculously silly, but may make driving more UNsafe because of the reduction in vision and hearing senses thereby possibly causing an accident that could have otherwise been averted.