I couldn't imagine carrying a gun at all times. My car keys and mobile phone are bad enough. I might go the CHL route for the reason above though. Feeling more at ease transporting guns to/from the range.
There are no stories about having a gun on your person and how it really paid off because the real odds of that are about .001%. All the above examples could have been deterred with a Kimber double whammy 90mph pepper spray, or better yet common sense and retreat. Plus the odds of going to jail or being sued if you ever pull the trigger just isn't worth it at all. Post SHTF all those things change of course and CHL or no CHL won't be an issue.
you should read the armed citizen in the NRA mag.
I think with you attitude you should NOT ever carry a gun...