Only 1 of the 4 occasions I have needed to reach for a a pistol was "predictable," leaving my favorite Asian restaurant on the fringe of SF's Tenderloin district. You never saw three "utes" run so fast with their pants around their knees. Apparently my body language was so unambiguous that they had turned and run before I even broke leather. I just let my Glock 23 settle back in the holster and had a good laugh. The whole scenario from them trying [unsuccessfully] to surround me to them running away lasted 5 or 6 seconds at most.
The other 3 occasions were not "high risk": unloading groceries in our own garage, a grocery parking lot also in a "good" part of town, and a road-rager after my daughter (I was the passenger).
Trouble will find you when you least expect it and are least prepared for it.
P.S. The plan covers everyone, family and even guests, for incidents in the home. Outside the home only my wife and I are covered.
Yeah, I know... as a practical matter I only carry if I'm going to be out of my car after dark, and there have been a few times when I've returned to an empty house after being gone, thought someone might be in there, and have entered the house "ready for the occasion", working my way through the house so as to trap the person if there were someone in there. My house is laid out in such a way, that if they were in the back of the house, they'd be like a salmon in a weir, no way out, and their best advice would be just to chill out and wait until the police get there.
What's a "ute"? Urban Dictionary lists it as an incredibly rude anatomical term for a female, or as a corruption of the word "youth".