I carry a Glock 19 in a inside the pants holster in the small of my back. I do not keep a round chambered, for safety reasons.
I am aware that I am more confident when I am out walking, because of CCW. Therefore, I try not to issue a challenge to would be thugs by my behavior, by appearing overconfident. For this reason, I think I would be hard to spot.
Of course, I have a CCW permit.
Situational awareness cannot be overemphasized. I have headed off trouble several times by not letting questional persons get behind me, avoiding groups of thugs, etc.
Be careful not to overcompensate. Muggers and thieves prefer to attack victims who do not appear confident or alert.
It's not going to feel very safe when you have to rack the slide with the hand your attacker has already broken, for example.
You're not carrying a concealed weapon, you're carrying a concealed paperweight. My Glock 23 always has a round chambered. When the firefight is on you probably won't have time to rack a round.