If it's legal or I won't get fired, I carry.
As far as not being a target or not living in a target area - there are no guarantees.
I can come up with folks in very upscale and nice areas who run into it.
Just think about running out of gas on the highway. You have a sample of humanity rolling by.
I've one experience with an interesting guy stopping to help. Hand on the weapon as I firmly told him it was alright and he could pass on.
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