claim they know better what you need, and more to the point, don't need.
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If you have never been threatened by someone else with a gun or some other dangerous weapon, and shot them of driven them away with your gun, then it is clear that you have not needed a gun so far. Remember that just HAVING a gun does not save you: you mist have it ready and I imagine loaded.
I know that the odds that I would both have a gun and have it ready to defend myself when I was unexpectedly threatened is about the same as the odds that I would hit the jackpot in the state lottery. The odds are astronomical, and I hear some moron shooting off a gun in my neighborhood about once a week. So I don't own a gun and I don't buy lottery tickets.
If you don't hear gunfire that often, then you need a gun even less.
I can also say that it is a waste of money to buy lottery tickets. However, if someone buys a lottery ticket, there is no probability that 20 years later someone will steal that lottery ticket and kill someone with it.