Situation dictates...... Sorry to use this old saying but it's never more true than it is today....
History has taught a lot of lessons in tactics and equipment needs. History also shows this present day society to be very people friendly. Law enforcement has very high standards and I feel the training of these men and women gets better with time. That much said, short falls and problems will take place. It's the law of nature and I think the world is darn good. Murphy's Law will always play a trump card when it is expected least.
My own feeling for arming and dealing with day to day is just simple. I like to go quickly and cause little wake. If I end up in something there is a chance I missed a warning sign. I carry 9-10 9mm JHP's and feel I have my self covered adequate. Now, if my job was still in daily law enforcement I would want to carry as much ammo and backup as I could and still do my job. A law officer is sorta like a hunter in my eyes. He or she is going out to hunt for trouble and often have to subject self right into a lion's mouth. The normal average citizen shouldn't be taking this role. Most aren't trained for it and most aren't wealthy enough to go take it on as a hobby. If the LEO is having to step in I am sure they have reserve forces on way or at a ready. Can the daily citizen have that luxary? I feel an individual has to make the choice with reason of location, history of area, known hostile climate or environment. Sure I could run into hostile large numbers that want to all kill me. If so fate has thrown the trump card and I can fight hard with purpose and hope after a few attackers fall the rest of the cowards will turn tail.... The criminal I have studied tends to be just that, a coward. They picked the line of work for a number of reasons. Mostly because they are not highly educated, family members showed the way, lazy, sold their sole and have no regard for civil law and order.