I frequently talk to people who insist that they carry handguns everywhere, including through latin america (where, as a general rule, an illegal handgun will get you a rather long prison sentence).
Aside from the "what if the police catch you?" problem, there is the "can you hit the broad side of a barn?" question. I was a the range the other day, plinking away happily. A couple of guys showed up with their handguns (a 9mm and a .45, for those who care). They set up human-shaped targets about 25 feet away, and commenced firing away. In broad daylight, with no distractions, and standing absolutely still, they could barely hit the target. One came close to shooting his friend after a hot shell went down his neck, too. In a scary situation with lots of stress, I am sure that the assailant would have been absolutely safe.
So if you are going to carry the thing, learn how to use it first.
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