Goofy, you are assuming this is a perfect world and that all people involved are honest and friendly towards you and your rights or just being argumentative. You can be fully justified but the cops not be able to find the proper evidence to show it and be charged. You could be fully justified but some prosecutor doesnt think you should be able to use firearms and you could be charged. You could be fully justified, but not articulate everything in your statements and you could be charged. You could be justified but somebody interprets the law a little different and you could be charged. You are going to have to bail out and/or pay lawyer fees whether you are ultimately right or not. Then you have the civil suits by scumbags, a counter suit is not going to get you anything. They dont have anything and are just looking for a free meal, most likely. You are going to have to foot the bill for a lot of costs, even if just up front for criminal as well as civil. If you dont have it, you are also going to have to find your own lawyers who have experience in the field, adding to the stress. In a perfect world, no, you shouldnt need it, but you wouldnt have to defend your life from another human being either.