While in college I worked as a pizza driver for a local company.
I was robbed twice, once at gunpoint while delivering, the other time while I was in the store waiting for my next run.
Had I been carrying, both robbers would be dead. They were arrogant and careless; more concerned with yelling and acting ghetto than watching all of us. But hey....this is MD, the land of no ccw and criminals probably know this.
On the delivery, the dirtbag stuck his gun into my neck so hard I I had trouble swallowing. I was so scared, I'm not sure if this really happened or not now, but at the time I swore that he pulled the trigger and the gun didn't fire. Twice. Then he ran behind the house and into the darkness.
I suspect the thug didn't know he had to chamber a round in order for the gun to fire. This is the way I remembered it while talking to the police immediately after it happened, and it's the way I've always repeated the story. As time goes by, a lot of second guessing occurs, and the memory isn't quite as vivid.
If you have the option to carry and don't, just think of my story and hope that you're as lucky as I was. Screw Pizza Hog's policy.