Extraordinary. Hah.
...
I'm not going to get into the NRA's statistical circle jerk because asking the NRA how guns are used for self defense is like asking a '90s Ford Explorer what stability is. I assume you get the same asswipe monthly 60 page block advertisement for the Taurus Judge and Springfield XD that I do. Their stories about little old ladies blasting racial minorities is hilarious because you know damn well it didn't go down quite like how they put it.
So... how hot does it get in Washington state?
I mean, I live much farther south than you. A place where my balls are laminated to one of my thighs from May until September.
First: If you're carrying a gun, you should be carrying a reload. Please don't tell me something the size of your pocket knife is "printing" or it's inconvenient to have on your belt while you're also carrying a gun that occupies four times the amount of space and weighs four times as much. Put it in your front pants pocket, cut the bottom out of that useless 5th pocket on your jeans and stick it in there with the bullets facing right or just realize that most people have no clue what a pistol magazine looks like and will assume that little black thing on your belt is the newest Motorola StarTac.
Walt is absolutely correct on complacency. You don't poke a guy twice with a handgun at such close range and consider it sure thing. It ain't. This is concealed carry: you're most likely alone (in arms), surprised, not wearing armor and have to react to somebody whose breath you can smell. Fire for effect and the effect you want is a the dude sprawled on the ground. The surprise aspect and inherently short engagement distance means you're already playing catchup with every single action that you do and the fact that you'll be pumped up like Mr. Jitterpaws and may not even hit anything vital with your first three rounds. Danny Dirtbag can still squeeze the trigger on his Hi-Point if you only double tap him in the stomach. Just look at how many times law enforcement officers have had to Tupac Shakur somebody (17+1) just to put them down. I'll leave advancing fire out of this discussion.
At short range, you're not running away, you're not taking cover, you're not doing anything except drawing, pushing out, and dumping as many rounds into the target as it takes to put it on the ground. My general rule of thumb when I train is that if I'm shooting at anything less than 10 yards I'm firing center mass with at least six rounds. That means that if something were to happen in real life that I'll probably just empty the magazine into somebody and have the gun back up in my workspace before the dramatic music starts playing. This is assuming I don't get killed first. I'm not a bad shot (versus Dick Cheney) but it's common sense: if a dirtbag already has his weapon out I have a severe disadvantage as I react starting with my dickbeaters holding a bag of groceries (most likely full of boxes of delicious breakfast cereal which I will be very reluctant to drop in order to index my weapon).
If you attend a decent (perfect nebulous term) defensive pistol class you'll do drills where you do point shooting with strings of five or more shots. Sometimes they'll have you dump a whole magazine as fast as you safely can after doing fifty jumping jacks and spinning around a few times.
This is why when I carry the .38 Special J-frame I realize that I have little margin for error. 5 shots on a revolver go fast and a reload, even with the speedloaders in my pocket, would seem to take a decade once the last round is off. The Glock 19, however, offers me more than enough firepower between the two magazines to stop two or three attackers given that such a method is common in urban areas. You can never have enough ammo in a situation like that but you carry what makes sense. Having a gun and no extra mag doesn't make sense and you know it. Your OP stated the reasons.
Keep in mind that I'm completely clueless on concealed carry and that I haven't killed anyone, including babies, so I'm far from a subject matter expert.
Edit:
You have to adjust your clothing for concealed carry. I think it was even recently discussed at this board. If you wear size 32 jeans and have a IWB, you buy size 34 so it'll fit comfortably. If you wear these trendy fitted t-shirts in a medium, you have to get a large that'll hang wider under your arms so you don't develop that tell tale gun-shaped tumor that 10% of the population will see. Sometimes you have to wear an undershirt and an overshirt. Button-up shirts work great left open. Vests work in the winter (I have a mild vest fetish but I keep it under wraps). Abercrombie and Fitch models don't CCW. Baggy clothes work because they literally give wiggle room to perform normal tasks without stretching cloth over your piece.
If all else fails you could wear the concealed carry shirt. It isn't the preferred method. They're far from fast but it's better than no gun and you have zero excuse not to stick a reload in the other side. I wear this one for activities where having a gun on my belt would be an issue. Like speed dating.
