My 9mm quickly ended an attempted car-jacking/robbery, while I was driving back from school late at night. The nice individuals attempted to box me in at an intersection. I was in the right lane, they pulled into my lane so I couldn't move. The driver jumped out with some kind of hand gun, unfortunately for them they picked an combat infantry veteran. By the time he jumped out, I was already aimed center mass. The driver quickly jumped back into his car and drove off as fast as he could. No shots fired, no injuries. My ROE is always that the barrel has to be pointed at me.
I don't carry everywhere. If I am in the "nice" part of town, the 9mm is locked, loaded and my finger is the safety.