I carry everyday. I also have a fire extinguisher in my kitchen. I don't intend on starting a fire, nor do I hope for one.
And, I do that to save my house/belongings/etc. (assuming im there to actually use the extinguisher). The risk is losing a house and stuff which i can replace.
I carry a gun because I can't replace my kids or wife. It sounds really dramatic and it sort of is, but I'm not paranoid. I'm fully aware that the odds of me using my firearms is so low, but I still practice.