You cannot account for your mindset at the time of the high stress incident. That being said it is entirely possible you empty your gun with out realizing it and manage not to neutralize your threat. Especially easy if you only carry a five shot. If that were the case you can reload and be smarter with your next round of amo. But if you dont have that reload your stuck thinking "I wish I'd have slipped that extra mag/speed load in my pocket."
More amo will always be overkill untill the day you need it. Then you'll be glad you bothered to carry a reload or two because you get to live another day.
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