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As others have noted, it is entirely up to you.

Personally, I carry concealed, I carry openly, and yes, on occasion, I am unarmed. I think a lot of folks also do all three. It really just comes down to percentages for each.

Unfortunately, my work is not gun friendly, so I don't carry for at least half of my waking hours, other than weekends. Let's say 40% of the time I am unarmed.

I carry every other chance I get. When I am out and about, I will try to throw a T-shirt over my OWB holster, partly because my wife gets "nervous" if I OC in public. But I will OC all the time that I am home. If I had to guess, on the whole, I would say it's a 50/50 split (I spend a lot of time at the house versus at restaurants, etc.).

So, net-net, for me, it's unarmed 40% of the time, OC 30% of the time, and CC 30% of the time. As the Twix commercial says, "try both and pick a side", or rather, pick a mix that works for you. The one thing I have not done at all since January 1 is to wear an IWB holster. I just have not seen the need.