I've owned a gun for most of my life, and until recently, only had reason to use it while hunting (venison is delicious). That all changed the night my house was broken into by three men, two armed with guns and another with a bat (guess he drew short straw, eh?)... Anyway, after waking upon hearing glass shattering, I went for my gun, made sure it was loaded, and walked into the hall. Am lucky burglar's aim sucked, put a hole in the doorframe next to my head right as I exited my room. I put two rounds into him. Other two fled, and I called 911. By time police and paramedics arrived, the man was gone. Since I'm in NC, there is no 'duty to retreat' law here, I was pretty much immediately cleared of any wrongdoing in his death. That doesn't help me sleep any better at night though.
Would advise to avoid drawing weapon on someone. Ever. Whether it's walking away, talking your way out, whatever you can do to avoid confrontation. Self-preservation over confrontation, always. As they often teach you when you're going for license, or during pretty much any civilian marksmanship training class... Anyone worth pulling a gun on is worth shooting, and anyone worth shooting is worth killing. Basically, don't even draw your weapon unless you're sure it's a life or death situation, and you've decided it's absolutely necessary to kill.
A lot of people think it'll boost their confidence/make them feel stronger or whatnot to carry concealed, but it doesn't. It's really a major burden, if you take it as seriously as you should. Go on a ride-along with a cop if you want to carry, ask him all the questions in your mind, get a feel for the incidents and people he deals with. Then go on a ride-along with a member of the EMS services, and see the aftermath firsthand. Make sure you can live with that, if you ever have to draw your weapon. Because if it ever comes to that, you'll have to live with it forever.
<semi-offtopic rant>