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Guess it depends on your comfort level. Some people are comfortable walking around in condition white with no means to protect themselves or loved ones. Others are comfortable with their unarmed fighting ability and walk around in condition yellow unarmed. Others are comfortable with a revolver with 5 rounds. Some are comfortable with a semi auto and 6+1 rounds. Some are comfortable with 6+1+6 rounds. Some are only comfortable with 15+1 rounds. Some are only comfortable with 15+1+15 rounds. Some are only comfortable with 15+1+15+15+15+BUG+6+6+6. There are probably some that will not be comfortable unless they have their own up armored vehicle with a turret mounted mini-gun.

Me, I can go 7+1 or 7+1+7 depending on if I feel like carrying a mag.