I have a hard time lumping a handgun in with a smoker detector as it's sole purpose is to send an alarm out warning you of a fire and the other, when used, is most likely going to kill someone.
But I think most people follow your line of thinking in that the odds don't matter, as long as there is risk, it's getting carried. Which is hard for me to really come up with a counterpoint because how people weigh their odds of staying alive by carrying is subjective. Calculating odds of risk is appropriate anywhere, it's just how strongly you view correlation is where you get different standards of appropriateness.
The purpose of a handgun carry is not to kill someone, but to protect ourselves. If an attacker dies after confronting us or those under our protection, then it is a regrettable necessity, not something we are looking forward to. The choice to use a handgun is because it is the best tool to stop an attack. If it wasn't, then knives, pepper spray, tazers, or whatever would be the preferred tool.