I disagree, strongly, with your last point.
Regarding being stupid..when my wife was involved in a car accident and was taken by ambulance to the hospital and I got a call that I needed to pick my then 3rd grade daughter up from school... and I was not able to get to the school until 1 hour after dismisal - and that was without driving 25 minutes past the school to the house and then 25 minutes back...then pulled in the lot to see the police walking dogs up to all the employee cars...well lets just say I got nervous. I surrendered my CCW the next week. That's been 6ish years now and Ive never once regretted the decision.
I get you being nervous. You got put into a tough spot while armed.
But one uncomfortable situation, is not enough to make me stop being armed the other 99% of the time.