If we are going to say; "The odds of needing a reload are so small it's not even worth it." then we could also say; "The odds of needing a gun at all are so small it's not even worth it."
Actually that is incorrect. There are innumerable examples of where carrying a firearm has been vital to a positive outcome in a citizen defensive encounter. On any given day, the probability is low, but absolutely non-zero. Bottom line- carry a defensive weapon.
However, the examples of a non-risk enhanced citizen needing a mid-event tactical reload, or overtly elevated number of rounds fired, are pretty much non-existent. Attempting to meet the above criteria as part of a baseline EDC regimen is pretty fanciful.
Do I carry a reload? Yes- I do. After an event has ended or paused, I want to be able to quickly return to armed status in case something kicks off again before the cavalry arrives. It's far more administrative than tactical in nature. Also, reload is available in case of malfunction, like a spontaneous mag baseplate failure.
Do you need a F350 Crew Cab for a basic Walmart run? Nope- A standard passenger vehicle will suffice to carry six bags of groceries and dogfood.
Is it wrong to use a F350 Crew Cab for a basic Walmart run? Nope- Do what you want.
Is it wrong to indicate you are not adequately prepared if you don't use a F350 Crew Cab for all basic Walmart runs? Yes- A statement not backed up by facts.
Should everybody drive a F350 Crew Cab in all situations because you might need it capabilities someday? Unrealistic.
Can you own a F350 Crew Can, NOT use it for basic Walmart runs, but use it for situations that better match it's capabilities? Absolutely.
Should it be illegal to use a F350 Crew Cab for a basic Walmart run? Absolutely not.
Should it be illegal for anybody to own a F350 Crew Cab because certain individuals have driven them in nasty multi-fatality drunk driving incidents or "rolled coal" on the local climate protesters? Absolutely not.