good questions. I am new to this, in fact, I have not OC'd yet...I think I might this afternoon when I get off work though.
this is what my newby responses would be:
My sister just asked me this one last night actually and I replied, "yes it is". her next question was, "so if you pulled the trigger it would go off?" I said, well, yes, and no. I explained to her about the grip safety, trigger safety and the falling block internal safety. She then asked that when I carry, if it is loaded. I said "yes" and then she asked "what if someone bumped the gun, or something got caught in the trigger and squeezed it? I explained how the holster covers the trigger and for something to get in there, the pistol would have to be "out" of the holster at least a little bit, and even then, unless the grip safety was depressed, it was not going to go off.
I know, a little long response to just a passer by type question.
If it was someone who I didn't know, I would tell them, "yes it is loaded, but the safeties are on"
I feel the same way as you. No need for anyone to be afraid of me, or anyone else who is OCing. If they were half joking, I might say
"It takes alot for me to get upset" jokingly in response and then try to extend the exchange to give them a little explanation of why it would get used, and then educate them on why I carry a pistol. I would lean toward this joking response to kind of show them that I am a lighthearted good guy...try to ease their "afraid" response to seeing a pistol.
easy to answer as I can either explain OC laws or produce my CPL to explain CC.
agree'd, just get used to people either A-being in a grumpy mood and would not respond to your salutations regardless
or B- some people want nothing to do with guns. I can respect their rights, and just live with it.
Good questions. I look forward to others responses!