... have I felt concerned enough to have thought it would be comforting to carry.

The first was in New London when some dude off the street came walking the docks. He struck a conversation and his probing for info started to move into the territory of "creepy". No incident arose.

The other was in Belize, anchored our charter cat off a mangrove island, and got up to close the hatch at o-dark-hundred and take in the towels because it started raining. There ws a native paddler about 50 feet away watching me. He was probably looking for "low hanging fruit" but our dinghy was hoisted. I locked all the hatches and sliders, and slept with my dive knife and a wrench I found aboard. No incident.

The biggest concern with guns is that point-twitch-boom makes a person judge-jury-executioner all in a split second. Then you have to live with the aftermath, right or wrong, moral issues or not, and its ALWAYS a big problem that rarely turns out well for anyone involved on any side. Only the authorities and lawyers come out ahead.