A few bad apples, yes, but you are still ignoring that FBI crime statistics show concealed carry permit holders virtually do not commit crimes with firearms.
Plus you say that "Otherwise to pack heat concealed can be someone hoping for an altercation" that is just silliness. I live in a state where I could open carry, but my opinion is that open carry is not smart. I conceal carry because I do not want anyone to have any idea I'm carrying a gun. I don't need to show it off, tell anyone, let it print so people can see it, touch it, etc. Does that mean I'm out looking for an altercation? No, quite the opposite. The vast majority of people who carry, do it concealed so nobody knows. Are they out looking for an altercation? No.