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I've lived in really bad neighborhoods too (in Chicago)... and still never felt I needed the "security" of a gun. I felt, and still do, that I am wise enough to not get in a situation where I might need a gun, which is why I really don't buy the "just in case" theory...
I guess I can buy the need for someone to have a gun in his/her home more than the need to carry one...because if you are in your home, any potential trouble is really coming to you, and you have no way to avoid it. Out in public, you have very much, almost complete, control over avoiding trouble.
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