First off, they make more than one type of gun. If you don't like a cocked and locked 1911 or a Glock, you can can get DA, DA/SA, DA/SA with safety, etc. Do what YOU feel comfortable doing.
Likewise, you are not crazy if you don't carry all the time, although some on these forums may try to convince you otherwise.
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Crime does not follow a schedule and knows no boundaries. Crime can happen any place and at any time. I prefer to not roll the dice, so I carry when ever and where ever I can.
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Crime
can happen anywhere but one look at a crime map will show the probability of crime occurring tends to be very location (and time) specific. So, yes, I "roll the dice" but I'm also cognizant of my odds. Even in Philly.