I don't have a gun, but the wife and I have started going to the range, so it may be in my future. If I had a CCL, I'm not sure if I would carry while riding, or not. I think that is something you have to get used to. There is no sense in carrying if you have doubts that you would use it, and I think that is where I stand right now. Shooting paper targets is easy compared to shooting a live person. I say that simply because it's easy for anyone to say "If my life is in danger, I have no problem shooting them."... but I think you need to really examine that. How many people who carry have actually fired the weapon in that situation? Like you stated earlier, sometimes your husband only has to display it to dissolve the situation, however, even that can be turned bad really quick if you are hesitant to use it. The same weapon you take for protection can be removed from you, and used against you.
The other thing is that I ride with folks who have CCLs, and normally carry... I usually don't give it a second thought whether they are or are not during the ride, because I have enough faith in them that they would do the right thing. I also have friends with CC licenses who scare the crap out of me just knowing that they have a gun on their person.
It all comes down to the person.
If you are comfortable, and confident that you could pull the trigger if necessary, then carry. If you have the slightest doubt whether you could pull that trigger, then leave it at home, cause it could turn a bad situation much worse.