I have been in multiple life threatening situations without my firearm on my person. A couple examples,
Went fishing at a small alpine lake way back up old abandoned logging road. Small lake, maybe 100 yards across. Parked the truck, picked up the fishing pole and bait, left the gun in the truck, walked to the far side of the lake 100 yards away. After an hour or so a HUGE GREY WOLF showed up and was checking out my truck. This was just a couple years after they had been re-introduced there. Talk about an oh ■■■■ moment. I just sat still, hoping he wouldnt smell the bait I had with me. After perhaps 15 minutes he wandered back off. I waited a bit and carefully headed back to the truck. Stopped at the Ranger Office on my way home and reported it and they confirmed it was one of the re-introduced wolves and it had been spotted multiple time looking for food left in the trash cans by people.
Another time hiking (again Idaho) near Salmon) I was followed by 4 coyotes that literally stalked me. It was a pretty hilly barren area but they stooped in the brush and literally followed me a mile. Never thought about coyotes being a danger to people, cougar maybe, I had a rock pick and a knife. Found a stick and made a spear with the knife. I was very happy to make it back to the road without incident.
When living in Florida the big thing was for two cars to trap you, one in front of you, one behind, get out and rob you, steal your car or whatever they felt like. I got trapped. Saving grace was I was with a group of people who were in two other cars behind me and they were armed. When they got out of their cars and approached the front car took off, the back car backed up and took off clipping my left rear bumper.
I now carry probably 90% of the time now. Even on my property, with the super dry weather the cougars and bears are coming down out of the hills looking for food and water. My place is forested and I have seen both in the past. I usually dont carry on my person on my property, but do keep a gun on the ATV. Then there are time at my place I wont go at night without carrying.
Just a couple examples of many, but it brings up the point that PEOPLE are not your only risk.