What you're missing is that the people who carry BUGs on this forum, not all but most (at least the vocal ones), will tell you that they don't care what the odds are. It happened to somebody, somewhere, or they can envision a scenario wherein it COULD happen so that's odds enough.........................
Having said all that, I do think that an argument could be made that it is irresponsible to carry a gun without carrying some less lethal option.
A bug fits nicely in my vest and can go with me to the gym, doctor and dentist, or anywhere else where I need to take my vest off and would expose my primary weapon. Vest is always next to me and I'm still armed in the parking garage, lot, daylight or dark.
It's also true that some 'ol geezers like me--- and some younger fella's as well, feel that when things go wrong, they can go real wrong.
Paranoid? No, I only get paranoid when I don't have a BUG, and to a lesser extent, spare ammo for both my BUG and primary.
Hey, PK, why would a fellow shooter who doesn't believe in spare ammo or BUGs want to ease the door open a little for justifying criminal prosecution of those "irresponsible" enough not to carry a BUG?
The other folks would want to put us in jail for being "too heavily armed and bloodthirsty".
Instead of arguing that you're irresponsible, why not argue that proper mindset, with regards to training in tactical withdrawal and avoidance, would meet the criteria for less lethal option?