If I lived in (say) Edmond Oklahoma, where typical crime is driving 5mph above the school zone speed limit, then I’d carry a small BUG-type gun with 7+1.
I however live in Nairobi Kenya, where unfortunately Somali Al-Shabaab terrorists have attacked public places. I thus got licensed (you have to here) to own a firearm, and on ANY day I will carry my Glock 17 with 16+1 (I download one on my carry magazine, thus its 16+1 rather than 17+1), and two extra 17 round magazines. If I am with family at the mall I will add two additional magazines.
Why? Simple - because the threat I would face would be terrorists moving in groups of two or three toting Kalashnikovs, and although I am a ranked IDPA competitor and I’m certain I can outshoot the terrorists, I do not want to be in anyway outgunned by them. Already I am by the fact I’d have a pistol while they have carbines, but I will not be in a position where running out of ammo is a concern.
I call Edmond “the land of the philistines”.