You can never have too many rounds, money, motorcycles or skill sets!
What anyone else has or thinks should not be part of that plan. Today, the bad guys are striking everywhere worldwide. To think you can forecast in your area when or what will happen is foolish.
Carry what makes you comfortable, and if someone or more than one most of the time, tries to injure or kill you and/or your love ones, which gun, amount of ammo, and/or multiple weapons will do?
Most cops want the smallest, lightest, and easiest to carry gun there is off duty UNTIL they are attacked and wished they brought their S&W 500 instead.
Carry something should be your first thought. What else depends on what you can handle, and handle well. Just carrying is meaningless. Everyone says "I carry" which is tantamount to saying "I wear Pants" so what. What you can do with what you carry is what matters, be it a knife, gun, or a rifle.