I've got a Glock 26 Gen 5 w/ a ShapeShift Appendix holster that were gifts from my father in law back in October but, much to his chagrin, I haven't carried yet. I'm a first-time gun owner who's just gotten used to having guns in our home for self-defense & I've only been to the range on a couple of occasions so I'm not comfortable enough with the weapon to carry it yet. Besides, my wife has her S & W .38 in her handbag at all times & she's a much better shot than I am ( she was raised as a gun owner unlike me ). So, should a situation ever arise where we need a handgun, she's got us covered for now.
Will I ever become a frequent carrier? I don't know. We live in a very safe city in Sedona, AZ but for trips to Phoenix & other cities with higher crime rates, I believe I will carry. But, again, not until I become more comfortable & proficient with the weapon.