The odds that you’d be able to defend yourself against a coordinated terrorist attack with a handgun are slim, but slim odds are still better than none.
Probably the most effective “defense” in the simulation was a woman who decided to flee rather than fight.
She fired “covering shots” in the direction of the attackers while retreating. Several people were able to escape.
The attackers did not advance while being fired on.
Not all firearms owners get regular range time, but I suspect the vast majority of people who carry are excellent shots who stay in practice. I get a minimum of 500 aimed pistol rounds a week, and I like my chances at close range against people with limited experience, even if they have rifles so long as they don't expect opposition.
Note: I live in Maryland, so chances are I'm unarmed outside my home.
In Maryland, a person may transport a handgun if they can demonstrate that the handgun is being carried, worn or transported: (a) To or from a place of legal purchase or sale, or repair shop. (b) Between a person’s bona fide residences, or between his residence and place of business, if the business is operated and substantially owned by that person. (c) While engaged in, or traveling to and from a target shoot, formal or informal target practice, sport shooting event, hunting, trapping, or dog obedience training class or show. (d) By a bona fide gun collector who is moving any part or all of his gun collection from place to place for public or private exhibition. During transportation to and from the above places the handgun must be unloaded and carried in an enclosed case or enclosed holster. An additional penalty is provided for any person convicted of unlawfully wearing, carrying or transporting a handgun, if his deliberate purpose was to injure or kill another person.
I'm not going to risk the loss of my God-given human right to defend myself. I just don't go anyplace dangerous while in the People's Republic of Maryland. However, in the extremely unlikely event that terrorists with only a little training hit my home, it would not be easy for them.