'.....no stories about .....or even 20 round personal defense shoots.....'--may I add 'yet', without sounding like a smart aleck or paranoid?
According to the 'odds', IF I am ever involved in a 'typical' defense scenario, I'd be surprised [not disappointed] if I needed more than two to five rounds. Then again, I'm in the camp that believes it is entirely possible that, virtually anywhere in today's society, one or more of those practicers of the Religion of Peace, or even a non-religious nut job, could appear with friends and a AK47 [pick your evil rifle type], and I'd like to at least have a fair chance to try to hold on until the cavalry arrives. Is it likely to happen? I don't know the odds, but if it never does, and I die never having drawn any of my guns, I'll be happy; if I, or my family, die because I ran out of ammo, then I wouldn't be happy at all.
ClayCow, I ain't arguing against anybody who doesn't do it my way. I presume anybody who chooses to carry a gun for self defense is grown up enough to pick their own way. I'm just answering the OP's question about how much ammo/reloads and why. I've had the same kind of discussions about why I drive a Ford Ranger instead of a Dodge Ram or Chevy or Yugo, and why I have a 5-gallon can of gas in the back. Doesn't mean I hold anything against Dodge drivers or people who don't fill their gas tank until the gas gauge is touching 'E'--well, unless they call me at 3am to bring them my gas can..... Acebow