When I first started to carry, I only did so very rarely. I kind of felt that unless I was doing something that I felt elevated my threat level I didn't carry. As a year or 2 went on, I just decided if I was going to carry and train, I might as well carry as much as possible.
I had a few shifts in my carry methods from then to now. I used to carry very small pistols. Now, My smallest carry gun is an XDM 3.8 9mm, with full size grip. Basically a good holster and decent belt make it concealable even in a T-shirt for me. It will poke out if I reach my arms above my head or print when I bend over and touch my toes, but printing is not a problem in my state and honestly, I just don't do those things unless it's absolutely necessary.