Your assessment of risk is, IMHO, in need of revision. The reasoned and prudent citizen not only has a CCW permit, but keeps a long gun in the car..
A handgun is what one relies upon to get back to one’s rifle or shottie. 30 round magazines are commonly available for rifles, and shotties can easily be obtained with 20 round drums, 12 round stick magazines, etc.
Under American law in most jurisdictions, if a death occurs from a flash mob, the entire mob can be charged with murder, not just the trigger-puller.
Addendum to my post #74 - In Texas, the saying was “One riot, one Texas Ranger.”
In Texas, the Rangers are armed and in no mood to be abused by a mob.