We usually think of OBC as being in a purse (female-centric), but that's not always the case; many men, I've found, carry their personal defensive firearm in a shoulder bag ("manpurse" or messenger bag) or a backpack.
...Now the defender has two choices: engage in a risky physical fight to keep from losing the thing which contains the gun (which was probably hoped would keep them from needing to get into a physical altercation in the first place), or let the bag go and put a firearm into criminal hands.
...I'm not saying that it should be dismissed out of hand in every single case, but I will say that the number of people for whom OBC is a true necessity is much smaller than those who do it because it's just really convenient.
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