Gunfights are only one type of threat. What about other types of disparity of force? I have a buddy who was knocked off his bike by 5 men and was beaten, I think a firearm would have helped him in his situation. What about the woman who is being followed by a man in a parking garage? A man with a knife will respect a firearm pointed in his direction. Will carrying a firearm guarantee a positive outcome for every threat, no, but it does level the field. With regard to training to deal with the physiological aspects of a defensive situation, you are correct, not many CHL holders have that experience. Although, I have read many accounts where people with little firearm experience have neutralized a threat who is carrying a firearm, many accounts are elderly men and women; the fact is most "bad guys" probably have less experience than most CHL holders. I know that is a general sweeping statement, but that is why the Internet was created, right? =)