Yeah I really can't make any bit of sense out of this. If I'm going to church or a "bad part of town" a threat is a threat regardless. The odds of an encounter happening may be different but I don't think you should change the caliber of your weapon based on where you are going.
Again this is what I am getting at. I treat every place I go with the same level of threat possibility. if I say carry my Sigma with 4 magazines to one place I will carry it to all places ( unless dressing for the place restricts me ). Because the way I see it you never know .