OK- first a reality check- if you ask a forum full of gun buffs, what do you THINK you will hear?
OK- to get serious for a minute (am only alloted a few serious minutes a day)
YES- there are places you cannot carry legally. I seriously endeavor to avoid breaking the law, since I am alergic to jail. By Federal alw you may not carry in a post office, courtroom, most Federal buildings, military installations. STATE laws vary state to state. Here in VA I cannot carry in a school (school means k-12) but I CAN legally have one in my vehicle, since I have a CHL. I cannot take a gun into a courtroom, but I can carry one in the State Capitol bldg.
Yes, I usually carry. There is a difference between being paranoid, and understanding what is going on around you. People have been assaulted and killed in about any setting you can name- from Mickey D's parking lot to sitting in church- and any time of day. Does fear of that drive my life? No- but I live in a rural area, with a volunteer fire department a LONG way off- and I have more and larger fire extinguishers than some folks.
Being aware of an imminent threat is your first line of defense- it allows you to AVOID getting into a position that you WILL have to defend yourself. But I carry for the day that I pull into a parking space, and find someone immediately trying to pull my car door open. That DID happen to a friend. The perp had a knife in hand, and really bad luck in chosing victims. Norm is a police officer.
Whether you go armed none, some, most, or all of the time is your call- and it is one of the most personal decisions you can make. Last year I was driving with granddaughter, on way to museum she wanted to visit- and we found ourselves at a traffic light in really BAD neighborhood. My bad- and damn you, GPS! the 13 yr old was checking out the streets, looked over at me, reached over, lifted my jacket, saw the sidearm, smiled, lowered jacket, and sat back in seat. SHE understands.
OK- my minute's up. Need to go get goofy with one of the younguns.