You usually don't hear about the incidents where a civilian carrying a gun and having cause to use it, unless some one gets shot.
I have never had to display a firearm in the woods.
I have twice in my own home. Dude tried to climb into my little sisters window when the folks were out of the country. He tried the front door, several windows, and when he tried the back door. He tried to force the door. I had a .30 carbine AMT pointed at his head when I flipped on the light. I was 16 years old at the time. The response time for police in my town is not too bad, but probably at least 10 minutes if I am lucky enough to have one close.
As a police officer, you might not have ever been mugged (I have by a group).
In bear/cougar country I do like having at least one item that goes bang, in a caliber sufficient to do the job.
Had a friend raped while her boyfriend had to watch. No gun there, but he could have shot the guy's head off at any point during the rape if he had had a gun. The guy had a dull little kitchen knife.
One thing I can say, is there is never a cop around when you will really need one. That is by definition. If the police were already there, you would not have needed them.
You can call, and hope they can catch whom ever kills you or a loved one, or be prepared.
If you look at the number of people killed in this country, and compare that with the number of police officers killed, you have a much much better chance of being killed or hurt as a citizen.
Growing up, I had at least 10 deaths within a block and 1/2 of my house. Family of 4 killed one block away with an axe. Guy chopped a hole in their front door, walked in and chopped them up with the axe. No guns in the house. It was a tweaker just trying to rob them.
That same dude would have made it just through the front door in my house before getting a clip dumped in him by my dad, and me on back up. I always had a gun in my room as well. I put it away every morning before school, in the safe.
I have had a drive by on my own house as a teenager. My older brother got messed up by a dude who sucker punched him. The police were right there. Had already warned the guy to go home, then drove around the corner. The fight was over by the time they made it back around the block.
Same guy came by the house later that night and did a drive by.
We went out and saw blood all over my brother's rig, and paired with the bullet hole, we were concerned.
I have been a prosecutor, and private criminal defense attorney, and public defender, so maybe I am just a bit more aware of crime than some.
I just had to chase a car full of guys out of my drive way the other night. Trust me, no one has a legitimate right to be in my driveway at 2 am taking pictures into the garage (I was up late, and had not locked the place up yet).
You might say, well, sure, in town, you might need your gun.
I would say that you will just as likely need it out where there is absolutely no one to help you.
A recent national story of a couple escaped convicts. They were in for homicide, broke out and killed some people to get their rig. They were finally caught in the boonies. They had been in Yellowstone Park. People to prey on, but not to many guns there. Most don't know that you can now carry in the National Parks again!