My humble opinion on "affording to replace it". If you are going to carry a gun, after deciding what are the perameters that are right for you... type, caliber and etc.... then figure out what you can afford and at least double that... in other words spend more than you think you should... a lot more...
Here is my reasoning .... what is the reason you are carrying in the first place? I presume to save your life.... what is your or someone you love's life worth?
Here is my reasoning .... what is the reason you are carrying in the first place? I presume to save your life.... what is your or someone you love's life worth?