I totally understand, and feel the same.
I live a pretty low risk lifestyle. My work does sometimes take me in and through some sketchy areas of the big Florida cities, but not often, and only when I choose to set meetings, so I can control the timing and my routes in and out. Otherwise, I’m not out at night, not “clubbing” or in the areas of town where most shootings are happening, not driving a fancy car or wearing a fancy watch, etc…
Like you said, statistically, I’m not likely to ever actually need my gun. If I defy the odds, and I do need it, Statistically, I’m not likely to need more than three shots. Pretty much no one, ever, reloads during a civilian, non police gunfight. I carry a speed strip or two so I can reload after, so I’m not standing there after a major, loud event, waiting with an empty gun. If my clothes allow, I have a little belt pouch that holds two speed strips. This way, if, after a really bad event, and I’m mentally messed up, if I drop a speed strip or rounds trying to reload, I have another. If clothes don’t allow the belt pouch, I drop one in my pocket.
I always had guns in the house since I was a little kid. Shooting was always recreational, either rifle or shotgun. When I made the choice to EDC, I just kept thinking of all the times over the years, in zero pressure, recreational situations, where I’m all lined up with a rifle, breathing slow and steady, perfectly still, sight picture dead on, squeeeeeze… and… nothing. I forgot to charge the rifle. I forgot to click off safety. I didn’t realize it hadn’t fully cycled. I didn’t realize the magazine was empty. Whatever. If I couldn’t guarantee a bang 100% of the time in those situations, I knew that I needed a gun that could guarantee a bang under the most stressed, adrenaline dump, stuff-is-happening-at-1000MPH shoot NOW, you’re-dead-if-you-mess-up situation.
I do have a carry pistol that I like, shoot well, and have practiced enough with to know it will go bang if I need it, but on a truly daily basis, everyday, everywhere, I have a revolver on me, and feel sufficiently armed when I’m out. Now, at home, in the night, I will not be grabbing a revolver if bad guys are coming in.