If you do carry, you should be prepared mentally and physically. Watch the "Shoot To Live" youtube videos of a guy named Massad Ayoob. You can get a nice birds eye view from this vid--very informative.
Ya I'm surprised the cc class instructor would be even slightly discouraging about it. Weird.
Always carry... The time you dont could be the time you really needed it
Not worth the chance of not having it.
It can happen anywhere. If your anything like me and I assume most logical people , if you knew you were going to a gunfight , going to be attacked etc. Id stay home