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Now, what should I do differently to be a better CCW holder?
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Change this for one thing:
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I also don't carry one in the chamber for safety reasons.
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So far as acting against the guy. (I'll catch some flak for this) Don't do anything unless you feel that people are going to die. The bank has insurance to cover their losses. There's no need to kill over money, especially when it's not yours. He didn't end up shooting anyone so (hind sight, obviously) the safe thing was compliance in this case. The thing is, especially in bank robberies, compliance is almost always the safe thing. VERY VERY few banks robberies turn violent. You are MUCH more likely to die or get others killed if you start a shoot out, more so when you're gun is an expensive brick that you have to load before it's ready.