You can waste your entire life on that premise. Sure, "insurance" is a good idea, but much like the lottery, you're simply playing the odds.
I'm lucky enough to have lived over half-a-century and never needed a firearm. What are the chances I will the next 50 years, should I be so luck to live that long?
I like to wear it around property and make my illegal weed growing/ thieving neighbors nervous.
Ive also got a serious bear problem. I didnt see the vest advertised as claw and bite proof, but Im pretty sure its 90% bear proof.