FIrepower, Context is everything.
I live in a town with one murder in its history, assaults outside of the domestic variety or tied to our one local saloon, are just as rare. I carry because I have to leave here and go other places for work, but at home, carrying a gun on my belt is just habit, not really need based NOW.
however, I have read your threads about where you live, etc, and I would not leave the house without at least three weapons, a carbine or better, a combat handgun, and a bug or deep cover weapon. the deep cover or bug has been historically used to defend oneself after being overrun. Lets say your car is stopped and you are disarmed of your visible weapons, after taking a carbine and fullsize off of you, they are not going to be doing the pat down, that leaves you with a option, that given the chance, can save you and your loved ones. Many a Policeman, after having lost his duty weapon, has saved himself by having a deep cover weapon to resort to.
I do have a rorhbaugh, 9mm. its tiny, you forget you have it on, mine rides in a little holster which acts like a cell phone holder, the cell case is the outside, IWB is the holster. Its really slick, not high speed, but pretty discrete and very positive. I carry that to places were carrying is not allowed, but where I am not willing to go unarmed.