Welcome to OCDO.
Have you ever driven in Boston, Denver, Atlanta, Cincinnatti, Lincoln, Neb., Waco, anywhere in south Florida, on the Indiana Turnpike, East St. Louis, near any military base between 1500-1900 on a Friday, or behind my ex-wife? All are life-threatening encounters, and I've done all of them while OCing.
You might want to use the search function, or refine your question a bit. There's a tendency to mistrust new posters who jump right out there with overly broad questions that seek to have folks spill their guts, so to speak, about incidents involving them and the possible use of firearms.
I'm going to presume you want to learn something. What is it that you want to learn? Be specific.