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Chasfm11, you posted some of the typical excuses/reasons many people don't carry as often as they might. One of them in particular caught my attention.

Manipulating a loaded pistol multiple times a day is too nerve wracking for some others that I've talked to. This was something that I had to overcome early on, too. It seemed that I'd end up at prohibited locations (our granddaughter's school, the post office, a 30.06 store) multiple times in a day. There is a certain comfort level that one has to achieve that you can concentrate on muzzle control when the urgent items of the day are trying to distract your mental focus. I've heard people say more than once that they are afraid of getting distracted and causing an ND.

This argument is a good point where education / discussion about carry options might be warranted. There are a LOT of different holster designs available for most common pistols. Many of these don't require unbuckling the belt to remove or to re-arm, so to speak. Since these holsters completely cover the trigger and are relatively easy to put on and take off, keeping the gun in the holster practically all the time (while on-body, off-body and in transition) can mitigate most of the safety risks.