The rationale for carrying a long arm was that some more intensive trouble may come along rather than the typical single mugger wants your dough.
Zombies, rampage Tower shooters, terrorists, bad animals of size, etc.
Is that likely - your call.
About the towel deal - no offense, but if one does that, it is not a good thing. The Miami-FBI shootout demonstrated that a fight might start with some exciting car escapades that lead to said gun flying off to parts unknown.
I know folks who do that - never trained, sigh!