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What kind of gear do I need for these defensive pistol courses?
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Handgun, 9mm or larger, safe holster, some magazines (how many depends on which organization and/or which division within that organization). A "safe" holster will cover the trigger guard when holstered. Generally cross-draw and shoulder rigs not allowed. Also a way to carry magazines on your belt; you can stuff them in your pockets but that gets old fast.
Karl's list is good. There is also
Texas Ranges with Practical Pistol Matches.
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How many rounds are typically fired during these events (trying to not break the bank).
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Varies. Approx 100-120 for IDPA, 120-150 for USPSA (which is the US branch of IPSC).
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I like the idea of the 3 gun competition but that would require buying a long range rifle it looks like.
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A long range rifle is not required. While pistol-caliber carbines are at a disadvantage, any AR15 will do to start, even a mini-14 or AK.
Lee