Me:
Home: Don't need to worry about it. Besides living in the safest large city in the US (take that, NYC), I also have double pane windows and security doors. The danger to my home is virtually non-existent. Short of someone taking a shotgun to my windows or digging through the wood paneling, they're not getting in.
The "street": Again, safest large city in the US. Even if I was approached by someone with a weapon, how hard is it to slowly take one's wallet out and hand it to someone? "Oh no! They have like $60 cash and a debit card that's going to be cancelled in like 5 minutes!" I protect myself and those I'm with by not flying off the handle and doing something stupid like fighting back.
The only real place I'm in danger is driving. I have a car that's quick on it's feet and has several airbags, as well as having a decent insurance policy.
You:
Home: Not everyone can afford double pane windows and security doors, I know, but for the price of a reasonable gun, you can usually get one or two decently strong doors. For the price of a few guns, classes, and ammo, I can imagine that it may be able to pay for like 5-8 windows. I suppose it's a matter of perspective and priorities. Of course, no one has ever had their child die because they left their double pane windows out or because their door was stronger. Let's not forget that. Defensive security is safer.
The "street": Not everyone lives in a safe city. I get that. Fortunately, there are a lot of decent options. Pepper spray can disable most people (if you're not sure, try it), as can a taser (which now can go farther than 15 feet). There are other, not often mentioned alternatives to guns like air guns, beanbag guns, etc.
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