JerryM: Yes, the probability of needing a gun for SD is small if you avoid bad neighborhoods, etc. I myself make a point of staying out of problem areas, when on my own time...obviously, my job requires that I frequent such places when I'm on the clock. But, I again will defer to the spare tire analogy I used earlier. Also, just because the LEOs you know have never needed a gun for SD, that is absolutely no guarantee that one of them won't need one for that very purpose tomorrow. Yesterday is not necessarily a reliable indicator of how today will go. As has been so eloquently stated before, "Hope is not a strategy." Finally, yes, I do "permit" my family to go to the movies without me.
Seen on a bumper sticker: "Exercise. Eat right. Take vitamins. Die anyway."