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Would you prepare for an earthquake or flood using that philosophy?
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Yes. The house where I grew up was 100 feet or more higher than flood stage so we did not have flood insurance. There hasn't been a major earthquake in my area in recorded history, hence, I have not earthquake plan.
Let's say it again. It's not the stakes OR the odds. It's both. Do you get on airplanes? Do you go surfing? Hunting? Ride in a car? All these things are more likely to kill you than not having a reload for your CCW. Odds are if anything kills you, besides natural death, it will be a car accident. We still ride around in cars. If it was "the stakes not the odds" we'd never sit in a car.
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Doesn't sound like a wise practice since the odds are that the severity of the attack we face will be the same regardless of those odds.
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Actually, the odds we're talking about are the odds of an attack severe enough to require a reload, not just any attack. If you happen to be the victim of such an attack the odds are obviously irrelevant but if you are involved in a SD incident the odds are VERY, VERY high that you will not need that reload.