I carry when I can. When I can't, I still have one in my backpack which I have with me 24/7.
I don't drink, don't fly now that I'm a civilian again, and have little to no need to go into a Federal Building (or any building that is gun free).
No matter which route I take, going from my home to my work places me in dangerous areas - often just for being a much lighter skin color.
While I don't purposely go to certain places just because they have a certain level of danger, I also don't avoid them (as in, I won't go an hour or even 30 mins out of my way just to avoid a certain "dangerous" area).