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CCW is an obligation to carry
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No, it is not.
That isn't how the process works. So long as you keep your permit up to date, then there is nothing to lose. You don't have to actually carry for the permit to remain valid.
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Good question, in Texas it's estimated 1.5-2% of the population is carrying.
So about two or three permit holders are present in a packed movie. Maybe one in a packed Walmart. So I guess that's usually me.
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Actually, you are way overestimating. Only about 2% have their permits. Of those 2%, as much as 80% do not carry on their person with any regularity.