Justified or not, legal or not, if you plan to use your gun to defend others, better get insurance to cover the legal bills or your act of heroism will put a real dent in your savings and maybe in your employment. You shoot somebody, and unless there is really obvious evidence (film on TV, lots of witnesses who really like you) your life is going to change. Maybe for short term, maybe long. You are not a cop, you may not know what is actually going on, you may be wrong, you may miss and get shot yourself, or the cops arriving on top of an adrenaline rush may just shoot you because( especially if you have a cow badge-better wear the sash)..