Dodge DeBoulet,
Your post raised the question of "[How to] Justify[]ing the Gun"?
Simple answer to this is because.
Because you can legally, financially, and do so responsibly. Further, you are justified in purchasing and possessing a firearm due to the freedom to choose.
It in not a matter of need. It is more complex. It includes the reason that it is your right and perhaps your duty. Is it not your duty to protect your family and yourself from harm? If you lack the tools with which to do so, you are failing in your duty. Perhaps an appropriate analogy is life insurance for a family man with dependents for whom he wants to provide financial security in the event he should suffer an untimely death.
Your post also raised the question of:
Have you ever found yourself in a situation in which holding a handgun eliminated a threat to your safety?
I once found myself on the street outside a locked courthouse waiting to get in, when I noticed another person walking towards me from about 80 yards away. No other people around and no vehicle traffic, early in the morning.
I crossed the street so that he would not pass close to me. He crossed the street.
I again crossed the street, and so did he and he continued to close the distance.
I again crossed the street, and so did he. As he reached a point about 15 yards away I took an aggressive stance, looked him in the eyes, while I unzipped my briefcase and placed my right hand inside as if holding something. He crossed the street and I wished that I had had a handgun in that briefcase.
You don't "need" a handgun until you need one badly and quickly.
My wife related a story to me.
When we lived on a 400+ acre tree farm in Mississippi she was on our mile long gravel drive to the main road when she encountered a pick-up truck. Two men got out and started to approach her. She had our infant son in the car with her and a 5 shot S&W model 60 .38 special. She told them to get in their truck and leave, that they were trespassing. They continued to approach. She let them see the handgun as she stood with the driver's door open. Upon seeing the handgun, they turned around mumbled something and backed out of there.