Scotchman, I see your point, but I don’t know how else to phrase it other than this...
I'm simply not paranoid enough or so fearful of others or of being attacked that I'm willing to miserably lug around a large gun year after year.
I think your luck (attack circumstances) and your level of practice makes a much bigger difference than what you carry.
The average SD incident statistically averages 2-3 rounds fired... practice often and make them count.
fwiw... I carry the LCP in suburbia and I carry the PM9 at work or when I have to go into the hoods of North St Louis, I even step up to the G27 occasionally in really bad areas in warm weather when the streets are just crawling with hoodlums in packs.