Why on Earth do you need a gun!?
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Intelligent, knowledgeable people, as much as reasonable, prepare for emergencies that may cause them harm.
They protect themselves from harm as best they can.
Even though the odds of some kinds of harm are greater, it's impossible or silly thinking that an individual can protect themselves against all dangers.
Carrying a gun for protection is easy.
What dangers you protect yourself from doesn't necessarily depend on the likelihood of that danger happening but depends on your ability to reasonably protect yourself from that danger.
I flew helicopters over the Gulf of Mexico for about 17,000 hours.
These aircraft were equipped with floats in case of an emergency water landing.
Statistically the chances of ever having to pop the floats was very small, I never got my feet wet, but having the floats on the helicopters was reasonable protection to an unlikely event.
Smart people prepare before the event.
Dumb people prepare after the event.