The reality of life can be hard for some people to live with. Some blindly stumble along and are shocked when bad things happen to them, some run for the indoors when the street lights come on, others hide at home. Some choose to LIVE and be able to defend themseleves.
That wasn't a 1% moment like you describe. He chose to be unarmed, he could have carried.
I have a keltec p32 just for such occasions. I carry s&b military contract sealed FMJs in it. Taken it swimming in my zippered swim trunk pocket many a times. After each swim I swap out my ammo and shoot them at the range. Never had a FTF even after being in the water all day. Dry it off (air compressor or blow dryer to blow it out, you could also use gun scrubber but usually when I swim I'm on vacation and the hotel blow dryer works like a charm) and clean/oil it at the end of the day and it'll be no worse for wear.
When I first started swimming with it I'd put it in a ziplock bag, but the bag always leaked/ripped. I gave up on the bag.
If a person wants be able to defend themselves with a firearm 24/7 they buy the proper equipment. This means more than one holster and more than one gun.
The OP's experience is PROOF POSITIVE that unless you carry 24/7/365 you won't have it when you need it. I'm glad he didn't need it and it'll probably be the last time he doesn't have a gun on him. There is a learning lesson here you are missing.
Sigh.... You must spread some rep around before giving it to Prometheus again.