I have never been faced with a situation that required a rifle in my personal life. Not once.
I hope you never do.
Your only a tiny drop in the bucket. There are 100 million others out there that at some time may have needed one.
There is also the times when the need for a rifle is much much more likely to be needed. Anytime when there is a break down of our community's. Natural disaster and rioting come to mind.
You may not live in a area that has ever been effected by any kind of civil unrest but, there are some that have and you really never know where it will hit next.