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Yes, it is probably over-kill. Of course, statistically speaking, carrying a high capacity gun is over-kill. Heck, carrying one at all is probably over-kill. It is just a matter of with what level of "over preparedness" you personally feel comfortable.
I personally do not see issue with how a person carries until it has an effect on their daily activities and personal comfort. if you start not doing normal activities which you would want to do if not for your sidearm or you start sacrificing personal comfort for emotional comfort, that can be an issue.
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