Have you had to file a claim yet on your renters insurance?
Have you had to draw your CCW piece?
Did you actually fire a shot somebody?
As to the real reasons people actually CCW...well...some people may believe it is insurance against the boogey-man is just one reason.
There may be other reasons.
YMMV.
Yes to both questions. I had two bikes stolen and a tree fall on my canoe while it was strapped to my truck (heroicically saving my cap) while I lived in Austin. (The latter was actually kind of funny as it took over a week of arguing over whether the damage should be settled by my renters, auto or watercraft policies, and this was the same company that handled all three.

) . Given that USAA is good company, it cost three one hundred dollar deductibles on two $500 bikes and a $1500 kevlar canoe. The policy was money well spent. As to the CCW, yeah, I've felt threatened enough to flash the gun once. So I do take this seriously.
FQ13