1. read gmoats responses, several times.
2.Having a gun is always better than no gun.
3. neither you nor anyone else can predict the timing or nature of a fight.
4.A quick presentation and 1st shot ability is essential. The Bill Drill is my standard [6 shots into 6" at 7 yards in <3 seconds] I have never seen anyone achieve this from a pocket holster.
5. Believing that the bad guys will run away is not a good basis for a survival plan.
6. Carrying a NAA 22 for self defense defines delusional.
7. Practice, Practice, Practice. Dryfire is your friend.
mike r