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I do have a permit. And if some one pulls a gun on you then here's what you do move your hand to your waist slowly like your getting your wallet (tell the bad guy your getting your wallet) then with your non-shooting hand quickly knock his gun away from your face and take a step to the side away from his gun simotanisly drawing your gun and putting it in his face. It works the last thing mister bandit is expecting is for you to fight back he won't see it coming.
And yes unfortunately the world has come to a that the world is a dangerous place with dangerous people. Sorry but it is.
Many gun owners go armed during the day it's called concealed carry if you come home and your being robbed that gun that at night is in your night stand (incase someone breaks in) is now on your hip and fully loaded (handy little thing isn't it)
And secondly of course I need a gun I go into town occasionally for trips to the store what if someone try's to mug me in the parking lot? The fact is you never know what's going to happen its best to be prepared for every thing you know expect the unexpected a gun is one of those things that its better to have and not need then need and not have.
Well first of all it doesn't take long at all to get a gun out of a safe if you have memorized the combination or use a key lock it won't take more that a few seconds. Many people also keep a pistol in their night stand
Secondly I have not had to use any of my fire arms in self defense yet (thankfully) but that could be because I live in an area that is sparsely populated that therefor doesn't have a lot of crime but I stay armed just incase.