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I've been contemplating taking a CCW course and getting a permit, but I can't help but wonder if I would ever need it. In my 27 years of life I've never been in a situation where I wished I had a gun on me. Maybe I've just been lucky?
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Considering only one out of three people are ever violently attacked in their lifetimes, you stand a pretty good chance of never needing it. But if you need it you're REALLY going to need it.
I don't expect crime to happen to me, but I always prepare for it.
As for anecdotes, I have a few where I wished I had a gun, but made it out okay despite having one. I interrupted an attempted carjacking/abduction one time. That was one of the times I'd have liked to have been armed.
Had a couple where I had one and was relieved to have it. Can't say definitively that carrying has saved me, but I still carry in case it happens.