realize not everyone can flip the switch overnight to a FULL locked and loaded 24/7 carry lifestyle
Well, I must say I don't live the 24/7 locked and loaded lifestyle. My work doesn't allow weapons anywhere on the property, and I am not unduly paranoid by nature.
But when I do go downtown, and I stick my P-11 under my belt, I want it to be ready for use on a second's notice.
As an old mentor of mine once said, if you have a hesitation about whether you can use a weapon in a crisis without delay, maybe you are better off not carrying. Part of that is fully trusting your gun and knowing what it can and cannot do in your hands.
I suspect you may not be ready for that yet. Either train until you are, or consider that carrying may not be for you.