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We train for the worst case, not the best case.
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Well, we all do what we feel is necessary. I currently have 42 years service with the military, 8 active, 6 in the Reserves, and the rest National Guard. During that time I have had multiple deployments and I am well aware of the difference in offensive and defensive environment. In addition, I've got 36 years experience as a LEO. I never said I didn't carry reloads - just don't see the need or particularly care for speedloaders unless I am in uniform and carrying them on a duty belt. Which is pretty much a thing of the past in the age of semi-autos.
If you have personal knowledge of required reloads in a civilian self defense situation, I'd be interested in hearing about them. I'm not saying a person shouldn't carry extra rounds (I do) - just that your shot placement with your initial load should trump how fast you can reload.