I have a buddy who carries a full size gun, two mags, flashlight, and a knife. He thinks I’m crazy for just carrying a gun on my hip and that’s it. I think he’s crazy walking around all day with all that stuff on him like he’s storming the beaches of Normandy. I’m fine with either 124gr +p gold dot 9mm or mini mags on my hip. Sure, I could do more, but I refuse to sacrifice to much comfort over what may or may not happen. Side note, a buddy of mine stopped a potential home invasion by getting on all fours and barking like a dog. Use whatcha got lololIt is all good until it isn't.
All depends on how serious you are about preparing for defensive gun use.
It's okay if you don't expect the need for defensive gun use.
America is still kind of free, its your choice.
But you will have to live with any implications.