I took their most expensive plan for about $500/year.
Shake hands with a poor man, I can't afford that. As a practical matter, I seldom carry, I just have the permit in case I need it.
I keep my Ruger LC9S with a trigger lock (one digit away from being unlocked) in the center well box of my car, a range bag with a locked Ruger SR22 and about 200 rounds in the trunk (for those times I might want to stop by the range), a locked S&W MP 9mm on my coffee table in the living room, and a locked Glock 19 by my bedside. All of the 9mm are loaded with hollow points. I did keep the S&W in the bedroom, but I reasoned, by the time I would hear trouble and get to the bedroom, that is seconds lost, so I moved the S&W to the living room and put the Glock on the bedside table. We have had dodgy guys (of predictable demographic) wandering through the neighborhood, and one of the homes was broken into recently, first time in 31 years on our street. There was a raccoon in the neighbor's yard that was acting just a little too docile (rabid animals do that), and if need be, I could have dealt with the matter.
With this, two security cameras, a glass breakage detector, and having the house locked up like Fort Knox, I sleep peacefully at night (or during the day, sometimes this old guy needs an afternoon nap).