I think, (IANAL) that if you have a gun unloaded, in a case, and then in something such as a backpack, you should be good to go. Otherwise, people who have a gun in their suitcase while checking in at an airport would be violating the CCW laws..... Carrying an unloaded gun, on your hip (or anywhere on your person) would constitute carrying a concealed weapon.
Yes, a CCW permit allows you to carry a loaded concealed weapon just about anywhere.
Colorado does have exemptions though (please check for yourself, IANAL)... it is legal to carry a loaded handgun anywhere in your car, concealed or otherwise, without a permit, and it is legal to carry a concealed handgun while hunting, without a permit.