I never have, and never felt the need.

When I was younger and healthier I still thought one was plenty. I've never had to draw one; and now, in retirement and failing health, the odds against my being in a situation where I might have to are even more astronomical.

I do carry a one-hand-opening knife, but it's for opening boxes and cutting stuff, not cutting or opening people.

Do whatever you think best; but for a civilian, carrying three guns seems to me to be a belt-suspenders-and-epoxy approach to anything short of the outbreak of war.

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Oh well, what the hell.