[ETD]

Are you an obvious target? I'm sure you do not drive in the Hummer, right? Are you going in at night with your signage and tattoo's ablazing? You have survived being held at gun point several times but having a gun in those situations would have guaranteed you getting killed, IMHO (unless you have a background in close quarter combat, NOT playing around @ the shooting range, but actually shooting at living/breathing people who want to kill you). IMHO, it is irresponsible for me and others to give you advice on what would be the best gun to have in your pocket when the coroner goes over your dead body. My own advice is if you consider those situations so intrinsic in your livelihood (for civilians, I can only come up with a couple of scenarios e.g. bounty hunter and body guard) then become proficient in close quarter combat by studying with a reputable professional rather than just shopping around for firearm (is your life really worth a one time purchase of $300-$500 or a lifetime of careful and diligent study of the martial arts). Most Ninjutsu practitioners, for example, are given wide berth in otherwise hostile territories based on just the aura they project. And that's just $0.02 worth of advice. Good luck.