I don't think so at all. It is better to have it than not need it than need it and not have it. Which is exactly why we carry a gun or guns in the first place. It is the stakes of the situation not the odds of the situation that we are preparing for. I am responsible for three family members safety all the time. At my job on a given day I am respon Isible for the safety of about 160 people through the day despite being required to be unarmed.
Have you ever been on a back road and had a truck load of hill jacks back out in front of you and block your path? I have. A five shot j frame would not have been enough had shooting started. The odds of a non-typical situation are pretty small but they are life and death. I don't want to lose for a lack of shooting back. When you run out of ammo the fight is over. I am not willing to gamble that my gun fight will be typical or average. Not much else in my life has been.
I one got a lot of grief for carrying my flashlight everyday at school. Till the power went out a couple of times and then it was very handy.
those are very good reasons and if it works for you great. You have mastered your pistolcraft and prepared well. However, many have not... and if they have a fight this big and lack the skills of gunfighting they brought the wrong equipment.