Smitty - Please don't be such a concealed carry snob. Look, I agree with you regarding shot placement. It just seems presumptuous to say how any of us would react or shoot in a real situation (LEO's excluded of course). There is what we would like to think will happen, and then there is the reality of SHTF lets hope for the best. I'll carry my 9C with 10 + 1 rounds and a spare 10 round mag (NY) and I guess you will carry your firearm with just 3 rounds loaded (no more please) since that is all you will need.