Carrying a gun at all is overkill -- except when it isn't. And THAT, of course, is why those of us here carry -- in defense of the odd time when it isn't.
Regarding a BUG: I find a high-capacity mag is usually comforting, but if clothing and circumstances allow a second, concealed (although my state doesn't require concealment) pistol, I'll carry one.
We prepare for the worst so that, hopefully, we never have to face it.
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