My own situation is a little bit different than the "norm". Because of it-I've learned the hard lesson that anything can happen-anywhere/anytime.
I live in a semi-rural area. Very quiet,little to no crime to speak of, for the most part.
However, one knucklehead down the road-4 houses down- has, in recent months, gone on a spree of break-ins,and home-invasions in the area.
Everyone in the area is aware of him and the situation-yet no one has enough "proof" yet, for him to be arrested or charged with anything. A frustrating situation both for us residents, and for the cops.
So, in the meantime,all of us are faced with a constant, on-going, threat against which we must take our own measures to defend. Typical LEO response time to our area-even for an active "shots-fired" call, has averaged 45-50 minutes. By which time, he has retreated back to his home, and stashed any firearms he has been using,etc.
He's already attempted my place once-and in the process shot and killed one of my dogs-who was barking to alert us to his approach. The night this occured, I had nothing on my person, and, had I not gone inside a moment to get a message, would likely have been shot along with the dog.
So, ever since-its OPEN carry 24/7 inside/outside/around the home. CCW every waking moment every where else.
I've made a point of being very visibly armed either with sidearm or shotgun or both, everytime that -or any other- neighbor can see me. Thus far, that deterrent has had it's effect. Should that deterrent fail, or overcome his "common-sense", I'll at least be in some way equipped to better handle the situation next time.