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Knowing what is likely to happen gives you a starting point to decide these sorts of things.
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Not unless the statistics are for your particular area and lifestyle. As someone else posted, think of the worst thing that could probably happen where you are, and prepare for that.
For example, in my area, convenience store robberies are usually committed by a lone BG. If anything goes amiss, like the clerk fights back, they usually take off, even when armed. So, I don't need to carry 2-15 round mags and a backup gun with reloader for that scene. Now, if, in your area, gang violence with multiple assailants is common, then carry the firepower to deal with it.
As someone posted in another thread - sometimes your gun is best used to give you time and space to GET AWAY, rather than put the BG down, permanently or otherwise.
You're not out there to fight a prolonged war, just to survive a brief encounter.