I think you (or I) should only carry when we feel comfortable doing so. You're right, it is a big responsibility, and should not be taken lightly.
I often worry about the printing issue. The one thing to think about though, is that people who don't own guns probably don't anticipate others carrying, so they wouldn't look for or observe printing. I was out trick or treating once when my daughter was little. I saw another father who had the butt of a handgun sticking out of his pocket. I thought, cool, another neighbor who carries. Then I noticed his son's cowboy costume and realized the gun was his toy. That made me think that if another non gun owner saw it, they would probably immediately have thought it was a toy.
As far as keeping a gun in your vehicle, that's an equally tough decision. I keep a locking pistol case in my truck so I can secure my gun when I go to a school or courthouse or such. I still worry about any of my guns being in the truck when I have to leave it.
I know people who carry "no matter what" and I know others who rarely, if ever, do. Do what's right for you.
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It's not that life is so short, it's that you're dead for so long.