GeorgeT, that is good that you keep your CCW up to date, but, there is always a but, isn't there, do you keep up your skill level with what you are carrying? Do you go out at least once every couple months and do some training, not target practice, but training. For you will react to an emergency the same way that you train. If you take your time, take wonderful careful aim, hit the bullseye everytime, you are shoot before you get yours off. To many people get their CCW and never take any training. All they are is another source for criminals to get weapons.
Look into joining an IDPA,
http://www.idpa.com or take some classes on self defense then practice what they teach you, otherwise you are just another victim.
Let me tell you a little story. I use to carry everyday, never left the house without my firearm, don't feel the need for that now, but still do keep up the training thru IDPA. Went to a three gun shoot, pistol, shotgun and rifle. I always carry my pistol in a high raise holster on my right hip under my shirt or jacket. Was gonna look cool for this 3 gun shoot, got me a thigh holster, hung right where my hand rested. Could save time, its a timed event, just grab it, draw and start shooting. Musle memory is something that you can't get away from. At the buzzer, where did my hand go for my pistol, you got it, right to where it always was, my right hip. Not only did I do it once, all four stages, did the same thing and that was after going to a safe area and practicing the draw from the thigh. The only thing that would have happened to me in a right life situation, I would have got shoot. End of story.