i always carry concealed without a cpl, this is my thought process:
if its concealed properly noone will see it so no cop will ask to see my cpl, if i have to draw or use the gun i'll just say it was being open carried at the time, its very far fetched that there will be a witness who will be able to say with certainty that it was a concealed handgun. Oh and you want to know whats the big deal get a cpl to which i reply i just dont feel like it give me a good reason and i might