You mean they're obviously not /planning/ to shoot up the place.
A recent example is the Texas church shooting that happened recently, where an armed citizen with a non-concealed firearm in that case, wounded and then chased down the shooter, unfortunately after he had already killed multiple people. Sadly, nobody in the church was armed, as even CCW holders who frequently go armed will not think to do so at church.
A CCW lets you Carry a Concealed Weapon and has nothing to do with the storing of loaded firearms in vehicles. Though I suppose it would apply if you are in said vehicle and then 'storing' would become 'carrying'.
--edit--
But who knows about California in particular because their firearm laws are wacky. Back when I lived there the rule was "two steps" away from having a loaded firearm in your vehicle, ie: take the gun out of a case then load the magazine (IIRC of course, that was almost 20 years ago).
https://www.personaldefenseworld.com/2017/04/armed-citizen-p...