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Sometimes one can't avoid - "stupid"
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Just so. I live in a quiet, very low crime part of Northern KY. I carry whenever I leave the house because you simply never know what madness you can get caught up in.
EXCEPT: Pre-pandemic I regularly traveled to LA for work. Clearly, I could not carry a gun there. My daily work commute was a 6 block walk through the heart of downtown that was sprinkled with a large number of homeless and frequently incoherent people.
I simply avoided them and never had an issue.
By the terms of the OP I was being 'stupid' by being there.
But, my financial obligation to provide for my family dictated that I be there and I took care to avoid any kind of interaction on the streets.