Doublebass, this reminds me of a story.
Several (many) years ago I was sitting at the bar in the Belton Hotel in Dayton, Ohio enjoying a cold beer. In walks a very nice looking lady, she is dressed in her finery, jewelry and gems dangling from place imaginable. Obviously a lady of class she turned every head in the joint. There I sat, a poor country boy, barely dressed, no money, and surely not the most handsome man in the establishment. I sat and watched as several well dressed, apparently well educated successful men made their play on the lovely lady as she sat a table by herself. Agitate by all the attention, she moved to the bar and took a stool next to me, we struck up a conversation, and shortly we were headed out the door for dinner, and an evening on the town, her treat.
My point..........even when ill prepared for a situation one can get lucky. As stated in an earlier post the .22, or .25 are both capable of taking a life, or at least putting a hurt on someone. When the chips are down, one uses what they have at hand, in this case, had Picket been armed with a .45 it may have been a totally different story, a funeral instead of a trial., but then again, had the perps been dressed in heavy jackets there might not be any injuries.
When I look at insurance to cover the things I consider important to me I don't take the cheapest, smallest coverage available. I buy what I feel is best for my needs, that my friend is why the .45 is still on the market.