My mother asked me why I carried, whom was I afraid of, and I answered, "No one".
She understood and never asked again and I've been carrying ever since.
Reminds me of a story about a few acquaintances that went shooting for the day (here in TX). They got stopped for speeding on the way home, and the officer asked if the driver had any guns with him (note that your plates are tied to your CHL in TX). The driver said that he had 5 guns, 2 on his person and 3 in the back of the truck, whereupon the others also chimed in, for a total of 23 guns in the car. The officer asked, "What are you guys afraid of?" and one guy said, "Not much of anything right now." Of course they were sent on their way pretty quickly with just a warning.
I'm certain that in my former residence of the PRNJ, even a joke about having a gun on board would be responded to by at least half a dozen local SWAT units...I'm very glad not to be there any more.