I don't recall hearing anyone say that the loss of watch, wallet, money clip, car, or other replaceable items are worth a violent encounter if otherwise avoidable. There is no doubt that one's life will change forever if anyone is shot in a gunfire exchange even if it is legal and/or unavoidable. The price of concealed carry can be quite heavy if exercised in a situation. Conversely, not many of us want to become a victim if we can prevent it.