What do you need a gun for? Are you a criminal? Do you interact with Criminals? Is your ex-wife coming to murder you? Have you received death threats?
Do you work for a drug cartel or fight against them as a police officer?
Do you watch the news, man??? You can't even go to a mall, for crying out loud, without possibly needing to defend yourself. There is no second chance when it comes to getting your life threatened. You can't plan for it, it has nothing to do with who you hang out with, or an evil ex-wife. The San Bernadino couple, except for being Muslim, appeared to be squeaky clean. These threats can't be predicted. Get it through your head. Nowhere is safe anymore. Be prepared or be dead.