The fact that you are asking questions shows you are thinking CC through. That's a good thing. Carrying a firearm is a huge responsibility as I'm sure you well know, and the financial aspect does need to be thought through, however, when its life or death that dollar isn't very important. I have been armed, either on my person or in a vehicle for at least 30+ years and I have never felt the need to pull my handgun. Stay level headed at all times, I bet you will be fine. One more thing, property can all be replaced, life can't. Keeping that in mind has helped me ignore a lot of situations.