Looks like lots of folks trying to squeeze square pegs into round holes, which is often the case when this issue comes up. So let's look at the holes for a second.
First, there's, realistically, about a 1 in 97,531 chance of you being a victim of any violent crime on any given day. This goes to about 1 in 4,221,735 when you factor in only those crimes where lethal force can be used in most states (Attempted murder, rape, or robbery). So yes, there is a risk of being a victim, but it's awfully damn slim.
Second, speaking as someone who used to carry, it is a pain in the ***. For example, I would put my holster and handgun on (either a 2.5" S&W Model 19 or a Sig P226 9MM), when I left the house. Then I had to take it off when I got to work. Then when we went to lunch, I had to find out if where we were going served alcohol. If they did... no carry. If I went to a place for lunch that didn't serve alcohol, but also needed to stop at a store that prohibited carrying, on and off again. Back to the office and the gun was off again. On again to go back home and then back in the rack. Bottom line was my gun spent far more time in the center console of my car than on me, which is bad because over half the guns that are stolen each year are not stolen from homes or businesses, but from cars. So every time I took that gun off and left it in the car because I couldn't carry where I was going, I was at far more risk than being a victim of a violent crime.
Third, carrying is comfortable, or uncomfortable, depending on who you are. If you're skinny as a rail, you may not have a problem. If you're heavy like me, you might. It's also a pain if you sit a lot, especially in an office chair where the gun is up against a hard chair arm. If you're standing most of the time, it's less of a problem. So just because carry is comfortable for you doesn't mean it's comfortable for everyone, and everyone needs to decide what works best for them.
Fourth, a lot of you who think carrying is a great idea, and have visions of being attacked and defending yourself and family, have never been in a totally defensive situation like this. It's nothing like what you think, and very difficult to prepare for. I've written before about when I was attacked while on watch in the Navy, and I was so busy getting my attacker off me, bashing his face to get him on the ground, and getting him under control that I totally forgot I had a loaded M1911A1 on my hip.
Another issue people don't realize is the confusion factor. In a blitz situation, you have no ear protection on, which means the second someone pulls a trigger, you're ears shut up and your head buzzes. This was an issue I used to bring to light when I was teaching defense back in the 1990s at an outdoor range, and without notice I would fire a shot while the class had their ear protection off, and every single one of them would be startled and confused. That's the usual reaction to that situation, and one that shooters are rarely prepared for as they are used to shooting with ear protection on.
So in 30+ years of training this stuff, I've met a lot of what I call John Waynes who have these fantasies that they are going to carry, be threatened, and save the day using their ice cool wits and steady hand, but that's rarely ever the case. Most of them will never be in a situation where they would need a firearm, and many who do either dont use the weapons, like I did or flee the scene without thinking about it, and those who are able to get a shot off usually are damn lucky to hit the bad guy, which is okay as the bad guys are usually hauling *** the moment they see a gun.
So yes, I agree 100% with all of the arguments the "I gotta carry!" folks make, but when you look at the reality of what actually happens when you carry... it's not worth it for most people out there.