I'm sure this has been mentioned, but I didn't want to read all 4 pages.
If I knew when I should and shouldn't carry, I would know when and where I should and shouldn't go. Then, I wouldn't need to carry.
Bottom line is this. If you're going to carry, then carry (where it's legal to do so). Anything but that, and you're opening yourself up for potential problems. I carry all the time, except when I'm sleeping/showering. In those cases, my gun is within arms reach. It's not a hard thing to do, you just have to make sure you're willing to make the commitment.