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That is your choice. Even if you are right and the chance of needing a gun is very low, the consequences of not having one are if needed are severe.
A person could use this same logic to suggest that a person could benefit from wearing a NASCAR helmet on their drive to work each day. Most people would agree that a traffic accident is probably the more likely danger vs a home invasion but how many people are wearing helmets while driving a car on the public roadway? Not any that I have ever seen.. why? It could be because of a relative risk assessment that indicates that the need is rather low.
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It wasn't too long ago I upgraded to a truck with 4 wheel discs and airbags. That was done to mitigate risk.
To me that was a far greater risk than needing a firearm on my person at my home at all times.
We all can make our own assessments and they are all equally as valid in our own minds.