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Let's face it, any carry loadout is a compromise. What you decide to carry is largely based on what you wear, what you are comfortable carrying (weight wise), how you assess the potential threats around you, and what you feel safe with.
Most people will never need anything more than a couple shots...but then we get into odds and statistics again.
Most people do not get into running firefights, but it does occasionally happen.
It's a personal decision, made by no one but you.
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