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"Hot" home invasions, where the home is occupied when the bad guys show up, end up with the occupant dead in an alarmingly high percentage of such cases. This is especially true in urban areas, where the perps are frequently members of gangs. Trust me, a bunch of MS-13 'bangers aren't going to think twice about smoking an entire family to keep things quiet while they give the house a more complete going-over. They're notorious for it, actually. Frequently people like this are -very- interested in hurting other people, especially women. Gang-rape is a frequent corollary to home invasion in the United States; again, especially when members of criminal gangs are involved.
Home invasion, like house fires, is rare. The rareity of house fires doesn't mean it's not a smart idea to keep a fire-extinguisher around: the "one percent" arguement isn't terribly persuasive to those unfortunate enough to find themselves -in- that 1%.
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