you need to take probability of risk into account.
Most police officers end up their whole career w/o one single shot being fired in course of duty.
Most CHL holders do not have to use their weapon.
For most folks, odds of automobile accident loom higher than the odds of having to use their firearm.
Risks more likely to happen is back pain/back injury due to duty belt and getting in and out of vehicle often, as well as obesity/being overweight, and obesity/heart problem due to stress.