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And then there's the fees for the Princess and her holsters and possibly purses and probably this would justify a whole new wardrobe for her to dress around a carry gun. I wonder if they have gun purses at Neimans.

You guys don't know the HALF of it! Women have so many more options when it comes to carrying.

My favorite purses come from Coronado Leather. You can find them at the gun shows sometimes, but if you want a catalog, go to: http://www.coronadoleather.com/

I am not affiliated with them in any way - I just think they have a good product.

As txinvestigator said:

I dunno. I DO know that deciding after the fact is too late. ;)

It's definitely better to have it and not need it than to need it and not have it. My advice is: spend the money, take the CHL class, and then make your decision. Many people have come to my class all "gung ho" about carrying and then, at the end of the day, decide that they don't want to carry after all.
You have to know yourself, know what you are willing to do to protect yourself and your family, and then make that decision. Just because you have a CHL does not mean you HAVE to carry, but if you don't have the CHL then you don't have any options.