re: Gun goes off in restaurant.

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self-defense, but I have witnessed at least two accidental discharges.

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Good for, you are one data point among millions of others that have used a gun in self-defense.

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My logic is that the likelihood of ever needing to use my gun in self-defense is incredibly small.

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That's all fine and dandy until your number is called. People probably feel the same way about keeping a fire extinguisher handy or batteries in their smoke alarms, they won't think they need them until they do.

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And of those situations, only in a small percent would I not have time to rack a round.

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If you had any awareness on how quickly these situations can develop and how poor your reaction will be under duress...

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That must be weighed against the likelihood of an accidental discharge resulting from mechanical failure or user error, which I perceive to be greater.

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I carry a stock Glock 26 IWB, the trigger is completely covered by the kydex outer layer. There's nothing that's going to cause the gun to fire short of a deliberate human action. The chances I might need to use that gun quickly are vastly greater than the chance of a random mechanical failure.