Fear indeed. I went to college in a very... provincial small city. Riding my bicycle around, I was regularly harassed by insecure assholes in pickup trucks, and run off the road twice. The one time I managed to get a license plate, the police claimed that without witnesses, they couldn't do anything. ACAB.
I added my 1911 to the strap of my messenger bag, at the top of my left shoulder, where the stainless frame would be plainly visible. I was suddenly given plenty of space on the road and even got occasional compliments when waiting at stoplights. It's disgusting that I would be a target for bullying without my pistol, but suddenly I was an okay guy with my penis extension where douchebag drivers could see it.
So yeah, I'm living proof that non-military open carry is only for scaredy cats.