What carrier do you use/reco? I currently have USCCA Gold but have heard talk about their "obligation to perform ends", "recoupment" text--that they can demand reimbursement if found guilty in a criminal case? I'm in California and I can see that my self-defense action could be spun into that. I'm a fairly new shooter and firearms owner so my lack of CCW knowledge doesn't help understanding their lingo. Are other companies "better" than USCCA? I've read conflicting comparison reviews. Is this pointing out USCCA's text just a scare tactic by other companies to draw business? Thanks in advance for your input.