Fortunately the threat the vast majority of the civilian population are likely to face, if at all, is not even on the same spectrum as the threats LEO, security forces or military are likely to face.
I spend far too much time at the range and money on ammo, just ask my wife. The fact is that since my job took me down here closer to where I live and out of north St. Louis city where I was for 9 years the odds of me ever needing to defend myself with a firearm have been reduced dramatically. I am much more likely to have to defend myself against a "Karen" who's front yard I just destroyed with a trackhoe. ( as of now my track record on that end has been stellar. Batting 1000 ) I haven't worn a vest or carried on my person at work in over a year now.
Is there a chance I could be involved in a gunfight? Sure, but it's not very likely. I train a lot. I take a lot of classes and then I use what I learn in those classes to continue training on my own time. Not just with firearms either. I somehow wound up being friends with an inordinate number of military ( current or ex) and cops, most of who are pretty serious guys who make me look stupid on the regular. In my opinion the smartest thing to do is to keep your muscle memory in the same spot as far as fundamentals, manipulation, tactical response, situational awareness, maintaining proper preparedness mentally and physically because if, god forbid, you are ever in that situation that is the only thing that's going to matter. I can't really honestly say that is the reason I do it anymore though. I do it because I like it. I enjoy training, I enjoy focus and perseverance. I spent the vast majority of my life in and out of sketchy situations based on employment, logistics and my inability to take any crap from anyone. I have literally been training to fight in one way or another since my dad taught me how to box starting at about age 6. Sometimes it feels really good to just sit back and enjoy life for what it is and not for what it "Might" become. This is a relatively recent observation. Though I have to say my "Relaxing" range days usually wind up involving more work than they should. We resort to what we know I suppose.
Anyway, I agree with your post.