I myself will never judge how you decdide to carry. I bet there are alot of people thinking the same question. You have stated a good amount of points. I too oc alot more than I cc but I will continue to oc more. I agree with the surprise aspect. The main thing is what makes you feel more secure when carrying. If you would feel more secure cc then oc then I say thats what you should do. If you feel more secure oc than cc then thats the way to go.