There are extremely legitimate reasons to be armed. Just "staying out of the bad areas" may or may not work for you. That said, carrying enough gun is an important point.
I have had muggers attempt to take my camera equipment on extremely fashionable streets with million dollar houses. I have had people try to kick in my door in the middle of the night. I have had a mugger try to make me a victim on an otherwise safe college campus. I have had a friend murdered because she screamed during a rape a block from my house and across the street from the ceo of a Fortune 100's house. Bottom line is that "staying out of the bad areas" is no more effective than carrying a pellet gun.
When you're out at night, be aware of your surroundings. Be prepared to flee or fight. Be able and willing to do either or both.
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