All fine, until you have to use it. You then are charged with a gun crime, lose your permit, probably go to jail.
All of this is worth it, provided you save a life, but it will cost you $20,000. to be right.
I will happily take my chances. There are a fair number of cases now where a conceal/carry has been used in these stupid gun free zones to stop a crime and states attorneys have refused to prosecute. Even here in socialist hellhole Illinois.