Well, good, we have a few examples to explore.
I have been in urban as well as rural situations when possession of an AR would be most prudent. Like when in Memphis I went to see a tourist attraction and it got late when I returned to my RV. The other tourists had left and I had to walk through crowds of panhandlers all asking me for money and some were threatening.
How was a rifle stored in your RV of help in the situation of walking among a crowd of panhandlers? If the panhandlers were to turn violent, do you think you would have gotten to your RV? They'd let you unlock and enter your RV, but then ramp up their hostility after you're inside and you'd need to use the long gun?
Another time a group of kids that appeared to be gang bangers invaded the area I was parked and started a party. I confronted them...
Uh, full stop. You did what? Tom Givens has a really illustrative example of exactly that kind of thing and his former student ended up in severe legal trouble after having to shoot the guys he confronted.
... and an argue began. I chose to be unarmed but had a loaded AR ready in my RV just in case.
Just in case of what?
If they'd jumped you or produced weapons, could you whistle and have your AR-15 come at the gallop to save you? Was someone else inside covering your butt with that rifle while you went out to argue with a crowd of urban toughs?
I'm sure there's more to these stories than you've posted because I doubt you're suggesting that any of these folks would have simultaneously presented an immediate lethal threat AND been obliging enough to let you go get your rifle from your RV.
There are times I wandered into areas I should not have and was comforted by weapons.
As these stories show, we don't want to prop up the idea of a "truck/trunk gun" as more of a security blanket than it truly is. That's why I'm a bit adamant when folks say, "rather have it and not need it ..." and such things. I want to know what they were REALLY going to do with that gun, and how, that made it a useful tool for the purpose they're claiming.
...
There are a distressing number of stories of "defenders" who went up for felony charges because they thought that gun back at the house, or out in my car, or back at the RV should be used to end a disagreement or chase off someone when the initial altercation was over long before they put their hands on that gun, and coming back to the fight armed was the most wrong-headed choice they could have possibly made.
So when someone says they are comforted by a gun they have stashed someplace else it makes me wonder a) what good it will possibly do right in the moment of need, and b) what they intend to do with it if they DO go get it.