I carry a Kahr PM9 but sometimes a Glock27. Depending on where I am going, sometimes I have snakeshot in the chambered round, and defensive rounds in the stack (though I know it is somewhat of a gamble). With the glock I keep a mag with snakeshot rounds handy if I am working on the trail at a place known for Rattlesnakes.
I do try to keep my carry completely concealed from others and my son, and feel the safest spot for it is on me at all times.
As far as carrying a CCW leading to more problems and escalating the issue, I feel a bit differently. My personal experience is that (when I am carrying) I am far more cautious about getting into situations that could escalate and am more gracious and polite in my reactions. In a simple situation where someone said or did something offensive to me or my family, I am far more reluctant to voice my opinion on it if I am carrying, and am more likely to get out of the situation, even if it doesn't look like it would be potentially an issue. in fact carrying makes me less brave and more of a sissy, but I know I have it, and am proficient with it, if I need it.
My .02 and own experience.