Most unarmed violent crime victims didn't feel they had the need, either.
If you can think of something more important than having something to say about whether you live or die beyond begging for your life, then by all means spend the money on something more worth while.
No, you shouldn't get the permit until you decide for yourself without having to ask.
I have one not only for the obvious reason of being able to carry concealed, but in Virginia it exempts one from the silly "one handgun per month" rule.