I’m not a gun owner, but if I was I can think of several reasons I wouldn’t want to carry:
1. Risk of theft. You can’t lose a weapon if it’s locked up in a gun safe.
2. Fear of an accident. A weapon can’t accidentally discharge in public if it’s locked up in a gun safe.
3. Bulk. Guns aren’t the heaviest things, but they do have some weight to them.
4. Forgetting about restrictions and accidentally breaking the law. There can be laws around where you can cary. If you’re carrying and it slips your mind and you enter a restaurant to take a quick pee, you could be in violation of some statue because the place happens to serve alcohol. That could turn into a much more serious criminal issue to deal with for something trivial like using a restroom.
5. Fears about safety if you’re stopped by police. Let’s say you’re carrying and get pulled over because your vehicle matches the description of one that was used in a crime or something. You could find yourself in a Philando Castile type of situation where you’re trying to communicate that you’re armed and complying with the officer’s instructions, but the cop is jumpy and kills you anyways.
6. Fears that the weapon may lead to tunnel thinking. Using a gun is probably the wrong tactical choice 99/100 times. Having one on you may entice you into taking actions that put you in greater danger than if you had just tried to escape.
7. Limits your activities.