Great assessment! And the Nairobi incident is a good example. But statistically, that is very unlikely to happen in the US. Nonetheless, I am right there too; carrying this 19 and a spare mag with me EVERYWHERE I go; all day; all night; and while I sleep it is near by. If you want to know the truth, it's a pain in the ass. Too bad I know it's a damn necessity.
But I also make sure that my instant alarm is set when I am about to go to bed, and I avoid places where statistically I am more likely to encounter a predator, like; driving through suspect neighborhoods, dimly lit areas, walking distances too far for comfort, just being out in public after dark in general, etc. Like choosing to play Blackjack over all other betting games, because the odds are better.
Statistically, until it happened in Narobi, it had never happened in Kenya. I agree with making personal safety a lifestyle and taking a wholistic appraoch that includes things like pattern of life changes, but for me that approach will always include hoping for the best while being prepared for worst, within reason. To me the 19 is that reasonable preparedness. I also feel that most people who struggle to conceal a pistol like a 19 or even 17 would be able to do it fine if they picked the right holster, a real belt, and better understood dressing around a gun.