I would like to direct my comments to the very first post of the original poster.
I think I get what you are saying - and asking.
First, the reality is that violent crime has gone down in the last 20 years or so, even as concealed carry has increased. That doesn't mean that none of us will be attacked, only that it isn't as bad as seen in the press.
Still, the analogy to insurance is reasonable. I carry just-in-case. It really isn't likely that I will need my handgun, but I admittedly feel more comfortable and secure having it. I don't carry extra mags. If it is very unlikely that I will be attacked, it is even more remote that, if attacked, I would need more than the 8 rounds in the gun. I don't have a back-up gun for the same reason. Now, I understand that the same "just-in-case" argument can be offered for the extra ammo and back-up gun. But I choose to draw the line at the one gun and mag. If you want, you could use the same argument for 2 extra mags and 2 backup guns, but we each have to draw the line somewhere. My car could be involved in a collision with a tractor-trailer, but I don't drive an old tank just-in-case. I draw the line at driving a safe vehicle and wear my seat-belt.
When I go to the range, I see the individual the OP was talking about. They have their AR15 (I have on as well - for fun), their main carry handgun, their backup snubnose or 380 in a pocket, and are wearing military style boots they bought at Sportsman's Guide, desert cammo pants and shirt and boonie hat. Of course there is the pocket clip to their fighting knife hanging out of their front pocket.
There were some young fellows like that, but more were pot-bellied, out-of-condition, middle age guys. I asked a few if they ever took a knife fighting course. The few I asked said, "no." We are not talking about Leatherman knives, but knives to fulfill the fantasy that these guys are tough. The get-up as well as the attitude that drives such a get-up has more to do with a perceived "style" or "statement" they think they are making. Oh, well, to each their own.
Personally, I dress like a normal person at the range and practice my shooting quietly, both in looks and action. I carry a Leatherman as a useful tool, but carrying a "fighting" knife for me is silly because at 63, a young guy is going to kick my butt in hand to hand or hand to knife combat. My intent is to keep my attacker at a distance so that my handgun is useful. I practice so that the gun is not just an extra weight on my body, or an item to use to boast how tough I am to my friends, but a tool that serves to make me feel more secure and comfortable. No more, no less.
Ron