You won't really know when it's needed until it's too late. The average ccw'er will live a full and natural life without ever needing a firearm to defend themself, so this isn't really a question of immediacy. Carry where and when you're legal and comfortable. Use supplemental locking devices when leaving your gun unattended in a vehicle. How much you carry is a personal preference.
Did someone talk to you about your TPS reports?