DnD Concentration Rules Explained
Concentration usually becomes relevant about five minutes after a spellcaster gets access to more than one good spell. The cleric casts Bless, follows it with Spirit Guardians on the next turn, and then looks personally betrayed when you tell them that Bless is gone.
I have had this conversation enough times that I now check the Concentration tag before I even finish reading a spell.
Some spells require Concentration to remain active. You can tell because their duration says something like “Concentration, up to 1 minute.” The spell can last for that entire time, but only while you keep concentrating on it.
The first important rule is that you can concentrate on only one effect at a time.
You can still cast other spells while concentrating. They just cannot also require Concentration. Casting Fire Bolt does not end Bless. Casting another Concentration spell does.
The first spell ends the moment you start casting the second one, not after the second spell succeeds and not whenever you decide which spell you prefer. You cannot cast Hold Person, wait to see whether the target passes its save, and then choose to keep concentrating on your previous spell instead. You already dropped it when you started casting the new one.
This is why spellcasters need to pay attention to the Concentration tag while choosing spells. You can prepare Bless, Shield of Faith, Hold Person, and Spirit Guardians, but you cannot run all four at once. They are competing for the same space.
Concentration does not use your action every turn. You do not need to keep announcing that you are concentrating, either. Once the spell is active, you can move, attack, cast non-Concentration spells, use Bonus Actions, and do whatever else your turn allows.
You can also stop concentrating whenever you want, and doing so requires no action. This rarely causes confusion, but it can matter. Maybe an ally has been Charmed by your spell, somebody needs to pass through a dangerous area you created, or the barbarian has once again misunderstood which wall of fire was meant for the enemies.
The part everyone remembers, more or less, is that taking damage can break Concentration.
Whenever you take damage while concentrating, you make a Constitution saving throw. The DC is 10 or half the damage you took, rounded down, whichever is higher. Under the current rules, the DC cannot go above 30.
So, if you take 8 damage, the DC is 10. If you take 20 damage, it is still 10. If you take 30 damage, the DC becomes 15.
This is a Constitution saving throw, not a Constitution ability check. That distinction matters because proficiency in Constitution saves applies, as do abilities that affect saving throws. Being generally strong, stubborn, or really committed to keeping the spell going does not give you a bonus unless something on your character sheet says it does.

You also make a separate save for each separate instance of damage. If an enemy hits you three times, you may need to make three Concentration saves. The damage does not simply get added together into one larger check at the end of the turn.
This is why a swarm of weak attackers can be more annoying to a spellcaster than one large hit. The individual saves may only be DC 10, but eventually one of those dice will decide that Spirit Guardians has done enough.
Concentration also ends if you become Incapacitated or die. Since conditions such as Unconscious, Paralyzed, and Stunned also make you Incapacitated, they break Concentration as well. There is no save in that case. The spell simply ends.
Going Prone does not break Concentration. Being Grappled does not break it. Being Frightened, Poisoned, Blinded, or generally having a terrible day does not automatically break it either. Those conditions might make the battle harder, but Concentration only ends if a rule specifically says it does, you fail the save after taking damage, you become Incapacitated, you die, or you begin another Concentration effect.
There is also no rule saying that loud noises, insults, bad weather, or somebody waving their hands in front of your face automatically force a Concentration save. The DM has some freedom when dealing with unusual situations, obviously, but I would not start demanding saves every time something mildly distracting happens. Spellcasters already have enough enemies trying to punch the magic out of them.
The duration is also a maximum, not a promise. “Concentration, up to 10 minutes” means the spell ends after 10 minutes even if nothing has disturbed you. It can also end earlier because you dropped it voluntarily, failed a save, became Incapacitated, died, or started concentrating on something else.
So, the rule comes down to this. You can maintain one Concentration effect at a time, and you are otherwise free to act normally. Starting another Concentration effect ends the first one. Taking damage forces a Constitution save against DC 10 or half the damage, whichever is higher, and becoming Incapacitated ends the effect immediately.
And yes, that means you have to choose between Bless and Spirit Guardians. I did not design the game. I am just the person ruining your completely reasonable plan to maintain six spells at once.