As another retired LEO, the only reason I still carry all of the time (with at least one full reload) is so that, should I be in the wrong place at the wrong time, and after getting my family under cover/gone, I can try to take the badguy out before he/she manages to kill/injure any more innocent people. I can imagine no greater terror than being in one of those situations with no way to fight back. If I happened to be unarmed, and in the proper position, I like to think that I would charge the badguy while he was looking/shooting in the opposite direction, or even better, reloading. I may be old and worn out, but I can still inflict a world of hurt if necessary...