Let's answer your question with a hypothetical, shall we?
It's a beautiful spring afternoon, you're walking down the street with your lovely wife and two children. You're also carrying your legal firearm in a concealed manner.
As you enjoy the warmth of the sun on your face and the sweetness of the air, you close your eyes and take in a deep breathe, taking pleasure in that moment. Can life get any better, you ask yourself.
Just then, a terrorist jumps out in front of you and opens fire with his AK-47. You go for your gun, but your shirt is in the way. As you attempt to pull it up, your wife and one of your kids go down. By the time you bring your weapon on target and take down the tango, your other kid has been downed as well.
With that said, you have to ask yourself what's more important, carrying concealed like a good, little gun owner or protecting your family?