Well, again, Im not trying to deter you or tell you what to do, but I have been around firearms since I was 3 years old. I've been firing guns since I was 5. If you really can't honestly say when that "point in time" is, you really need to continue thinking about it. I said it is always a last resort but that time should be the very second before you truly, honestly believe your life is about to end and no sooner. You need to know deep in your soul that if you don't pull that trigger this second, you will die. And even once that happens, your life will never be the same. And at that point, a lot is going to happen to you. First, you're going to have to prove that it was self defense. This is very hard to do if the only other witness is laying there next to you. You said you've had an interest in firearms since you were young. See, I dont even know what exactly that means. It may mean you've hunted all your life. It may mean you've been fascinated all your life but have had no experience. I personally feel that concealed carry should only be for people who have had a few to several years of constant experience with guns. That fee you paid and the paperwork in most states is usually good for around 4 years. My suggestion to you is to put the idea of carrying concealed away for at least a year. Just forget it, The $25 you spent will still be good. Take that year to take some serious safety training. I dont mean no 2 hour class. I mean sign up for a 90 day or 6 month membership to a gun club. Learn gun safety. Learn hunter's safety. Take your time but stay with it. Practice a lot. Also they have classes just for carrying concealed and personal defense with a firearm. I suggest you take one of those. Ask all the questions you can. Get as much info as you can. You will not only be more prepared for this kind of responsibility but you will have more confidence and pride in yourself. In my opinion, I DO NOT feel you are ready to carry a concealed hand gun at this point. Of course this is just my opinion. Whatever you decide to do is up to you. I wish you the best with it and that is about the best advice I can give you on this.