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While crime can and does happen all over, I believe you still have to consider your area when planning. I live on the top floor apartment in a nicer area. Can something happen? Yeah. Do I get my gun or at least a knife in hand when I get a knock at 10:30 at night? Yep. However, both times, it's been a friend of the frat boys below me who had the wrong apartment.
Yes, it can happen, but the risk factor is low enough for me that I don't feel justified to keep it at hand 24/7. If I lived in a "higher risk" area, I would probably be prepared differently.
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