You are going at it the right way, thinking through this, unlike many. Having said that, concealed carry is an incredible responsibility with equally incredible consequences possible. In my view, it's almost all about loved ones, including oneself. And, if loved ones merit protection, they merit protection all the time, as in carry whenever legal, not just when convenient. But that is very much an individual decision, and you are working through that in a responsible way. So, good on you and good luck.