Always carry. All the time. AT least something. If in a situation that requires the maximum of concealment, it may be my Elsie Pea in a DeSantis pocket holster. Most times it is either a KAHR CM9, or Springfield XD40 Subcompact.
Regardless of weapon, it is always loaded. By loaded I mean full magazine, and one in the tube. An empty chamber is an empty gun. You don't know when, where, or what circumstances might lead to an attack, and the assailant isn't going to wait for you to rack the slide.
Cheapshooter's rules of gun ownership #1: NEVER SELL OR TRADE ANYTHING!