Maybe I should start a new thread, since I've derailed this one, but I'll say that it all boils down to experience. I've heard people say they "needed" their gun, but no specifics.
I carry jumper cables, a tow rope, and ratchet straps in my car because I've been in situations that have required them. I may never use them again, but am glad I have them.
I keep my firearm close to my bed because of multiple stories from close friends of burglaries. No one has ever told me a story about how having a concealed weapon on them saved their life. I'm not saying they don't exist by the truckload, but it just hasn't happened to me or people close to me. That's why I don't feel that strongly about it. Not really trying to argue, just giving MY perspective.