Agreed.
That's why I used to carry a primary and a backup piece, both with hot loads, when I used to represent creditors. On really nasty jobs I substituted an H&K with a laser aim point for my primary and wore body armor with steel plates and a helmet.
That made for some interesting meetings.
Since leaving that practice, I limit myself to a single .40 cal.
Don't forget, however, that packing is also useful for persuading potential muggers, robbers, carjackers and home invaders of the errors of their ways.
Once, I drew down on someone who wanted to inspect my wife's purse for cash and valuables. The look on his face was frickin priceless. He started yelling for the PO-leese (his pronunciation, not mine), then left a little puddle of liquid where he was standing and beat feet for the nearest alley. I verified that he had left while my wife covered me with her piece. We went on to enjoy our dinner at a nearby restaurant.
Maybe he'll think twice the next time he contemplates rolling a couple in business clothes.