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Some of those costs, while large, aren't bad when you ammorize it out. For example, a quality gun will last almost forever with minimal need for repairs/parts. For example, $500 gun, kept for 50 years is less than $1 a month. Good carry holster and belt may cost $120, but if it lasts 2 years, it's $5 a month. Ditto for the license, range membership, etc. Overall, you're looking at a cost around what you'd pay for cable or a steak dinner for you and your SO.

Another way to look at it, the more you carry, the more value you get. If you carry every day, it's a buck or so a day. Less than cup of Starbucks. Carry once a month, and that's a lot of money for each time. So save money, and carry all the time. (Not really, but sounds good, doesn't it?)