You have rights in America. You have a right to be armed and poorly trained or not trained at all. Luckily you will probably never have to use your carry weapon in self defense or (heaven forbid) the attempted defense of others.
Personally, I believe you should become as proficient as possible...within the limits of your available time and budget (within reason of course...don't go broke or quit paying the bills etc). Your life, your wife's life, your kid's lives or even my life could depend on it someday.
For me it is never enough. I continue to train and practice regularly even though I consider myself to be rather proficient. I can always improve.
IDPA Member A00640
Founding Charter Member - Middle Tennessee Shooter's Club