I agree with all your reasons. In the past I've carried concealed in cities, usually open when in the sticks. What I don't like is the periphery rules one has to abide by when having a CC permit. For instance, in my state (where I used to carry regularly for many years) it is illegal, but with a justifiable defense argument. Meaning if it was prudent to do so when having used a concealed handgun during an incident then that would be a justifiable reason to have carried.
The laws for permit holders are so draconian that I would face stiffer penalties having been caught carrying without a permit vs. being properly registered.
For instance, a coworker friend and I both carried a few years back. He had the CCW, I didn't. We both attend the same church. If he were caught with a firearm in a "place of worship" it would have been a class 4 felony. And me without a permit, the best they could have done was a misdemeanor, with a $1000 fine and up to six months in jail. I lose my gun, he "loses" his ownership rights. That's messed up.
I also don't like that someone can run my plates in a completely different state and know I'm a gun owner. Most LEO can do that now when people get the CCW. You get a little red flag put on your DL number.
Having said that, I don't really carry much any more. Mostly because I avoid the areas I am most likely going to need a firearm. But should I find the need, I am not going to run out and get the permit. The dangers outweigh the benefits, IMO. I am most concerned about being armed at a time during social unrest. Think Katrina. Look how things operated down there. It is very telling to look into the gun confiscations that occurred down there.