This is why I carry everywhere I can legally do so. Exactly this.
Even when it is hassle, or I must change my wardrobe or endure some discomfort to carry concealed.
My firearms may be a pain at times, and sometimes heavy on my belt.....
But it is much lighter than the burden of regret I would carry (for the rest of my life) if I weren't carrying my firearm when I needed it and had to watch helplessly as others were killed.