Or what if someone sees you OCing and calls the Police. Can they arrest you for "Disturbing the Peace z"
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NO
Not unless you are disturbing the peace

Open carry does not = disturbing the peace.
this has been decided by the supreme court. having a holstered hand gun does not approach RAS
As a female, I don't want anyone walking up and overpowering me for my gun. The element of surprise is on my side.
i have found that if someone wants an advantage of a surprise , is because they do want to shoot someone. i would rather not have to make that action
the thing is that you should carry and carry always. do it the way you are comfortable with. if you do decide that you want to CC then figure out why. are you wanting less hassle, know then the more you OC the less hassle you and others will have. do you worry what others will think of you. that's fine, most of us wear pants for that reason. i for one don't care what people think of me. but either way i will not hold your carry against you