Define the"risk I accept while carrying". What would that cover? I carry full time when leaving home and most of the time at home. I don't have a pistol on me while doing hard, sweaty work although it likely isn't far away. Kind of difficult to pack a piece in addition to a tool belt and a running chain saw is bound to fill the works of the shooter with sawdust and chips.
If you're packing hit or miss, it's very likely you won't have your gun when you need it. Either carry a firearm or alter your life to preclude any chance of being in danger.