I personally load for bear. I carry 68 rounds in total. Three 15 rd spares in a cross body (casual, fashionable, extra pockets, leave me alone.) and a 22 extended in the well with one in the chamber. I feel that growing up watching churches, schools, and movie theaters shot up with ARs or by people with multiple firearms has taught me that my first reaction should be the most lethal one possible during a worst case scenario. I can swap out the 22 for the 15 before going into a business or residence of a newly met acquaintance so I don't have a "EXTENDO!" mag sticking out like a goof, thus easing tensions and still staying safe. In the worst case scenario (why are you carrying and not training worst case. Training for certain situations and getting hit with the worst case is what you've been trying to prevent. **** statistics, this is real life. YOUR life.) I now have the ability to A; approach mass shootings and attempt to stop them from an outside situation in which my 22 rd mag is already in, prepped, and I'm at full prowess or B; Try my very best to center mass the robber in the store (after an immediate threat to my or anyone else's life is presented ofc) with the first shot from a 15 round mag, and if he was smart and decided to rob the place with buddies, I now have the ability to duke it out to the fullest extent and hopefully keep my life in the meantime. Just my pennies on the matter. To each their own as this is America.