And if you don't are you legally allowed to? Would you carry if you could?
IF you can why don't you carry.
I don't leave the house without a Taurus 605 (.357 magnum . I sometimes open carry, but it is easily covered almost every T-shirt I own. I always wear jeans/tee shirt unless my wife makes me dress up.
My wife carries the same gun - I actually got our first 605 for her, wanting a Kahr arms .40 for myself. However, I couldn't find a Kahr arms .40 anywhere, and when a co-worker offered to sell me his 605 I jumped on it. Half the price to boot - and now we only have to buy one type of ammo (in theory, in pratice she carries 38 spec. +P because the .357 is just to much recoil for her).