To answer the OPs question , if you are going to carry you should carry all the time. Why? Because if you were to be involved in a shooting and a clever lawyer asks you how often you carry and your response is not very often..only when I feel threatened or go into a bad neighborhood you are not going to fair well. It will be inferred that when you are looking for trouble you carry. Carry everyday, if not on your person (highly recommended) in a Maxpedition bag or whatever you carry with you every day. That life threatening assault won't come when you expect it and you'll be happy if you are prepared when it does.