The only time I've felt "undergunned," did not have anything to do with "bad guys:" it had to do with a Black bear.
Several years ago, when I lived in Calif., my wife and I had a vacation home up in the southern Sierra, in Tulare County, on the western slope at about 6,000 feet altitude. Our property was bounded on two sides by the Sequoia Nat'l. Forest.
Many, many times I walked for quite a distance up into the forest, just exploring, enjoying the beauty and quiet of the forest and mountains. I never left the house for my walk/hike, without being armed.
If I carried my .22 LR rifle, I also carried a heavy caliber handgun, i.e., .41 Mag., .45 Colt., .44 Mag., .45 ACP, etc. If I carried a .22 pistol or revolver, I carried my Marlin 336, .30-30.
One afternoon, I was shooting some ground squirrels that had been feasting on the roots of my two apple trees. Afterward, I decided to go up into the forest and as I had my Browning Challenger .22 LR pistol in a holster on my belt already, just hopped across the fence and proceeded up into the trees.
About a mile from home, I decided to angle off down into a draw where I knew of a tiny spring, for a drink of fresh water. As I got near the spring, I suddenly spied a movement behind an old fallen pine by the spring. Suddenly, without warning, a large Black bear stood up quickly, looked at me, made that "woof!" they do, and immediately dropped back on all fours and came around the log toward me.
I pulled out that little .22 pistol, wishing I had a rifle somewhere along the line of a .416 Rigby. Talk about feeling "undergunned," I surely did!
That bear looked at me and I looked at it. I very slowly started backing off, trying to make myself not turn and run as I knew that would be a mistake. As I inched away, the bear took a couple of steps toward me, then "woofed" again, and slowly turned and angled off away from the spring.
I went home, looking over my shoulder all the way.
I am very glad I did not have to use that .22 pistol. I never again went out into the boonies --ANYWHERE -- without either a good centerfire rifle, or a heavy caliber handgun. That was years ago: holds true for me today.
FWIW.
EDIT: I should have added that the bear and I were about 25/30 feet apart, when I drew my pistol.
L.W.