Strange things can and do happen. Each person has to decide how far they want to go to be prepared for more and more unlikely situations. There are times that wearing a helmet would have saved the life of a driver, but who but racing drivers routinely wear helmets while driving a car? I've read that only a very small percentage of police officers ever use their gun even once in an entire career of law enforcement. Of those, how many needed more rounds than routinely carried? For those of us who are not LEO's, the likelihood of using our gun, of needing more than 2 or 3 rounds to escape or end the threat is probably very, very low. Maybe I will regret it someday, but most of the time I carry a 5 round j-frame with 38+p ammo, period, and feel very comfortable. Sometimes I carry a 40S&W with 10 rounds, and feel no more or less comfortable than when carrying the j-frame.