I provisionally agree.
Granted, no one knows the future, but with the idea I might face jihadis in public rather than criminals, I have developed a "standard" and a "heavy" loadout.
Not recommending it for anyone else, but it's my preference.
Yep......what used to be a easy decision is now complex and weighs heavily upon ones mind and belt.
But the KISS principal and training s key........Stay safe !