You're not off-base. There are good reasons not to keep a long gun or any gun permanently stowed in a vehicle. I'm not saying that's its a bad practice, but that there are legitimate things to consider in disfavor of it. I won't rehash them all because they've been made known. Whether a person decides to keep a long gun in their vehicle or only to keep their handgun concealed on their person, what seems advisable to me is to get some training on firearm/vehicle dynamics.
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It doesn't seem like there is much dispute that keeping secured in the house a rifle or carbine that's effective in combat is a good idea even if the contingency demanding it is a remote probability. There are few drawbacks. The proposal in this thread's OP is about the vehicle. Maybe the discussion took off on risk-assessment sidetracks, but if instead of focusing on which boogey-man is coming or where he's coming from, we consider where we'll be in the event of his coming, for a lot of Americans, it's either the house, the vehicle, or their place of work.
After the house, the vehicle is the thing we're likely to have the most control over. It's also a place where violent conflict has a considerable probability of happening -- whether it's due to road rage, car-jacking, or just that vehicles frequent transitional spaces. People have various lifestyles with respect to their vehicles. A person who has a short commute or infrequently uses their vehicle might decide leaving a firearm abandoned in their vehicle most of the time isn't a good idea. A person who spends more time in their vehicle, for whom the vehicle is their place of work, and who has assessed greater risk might rationally decide to maintain a firearm in the vehicle in addition to their carry gun. Whether they do that or not, it's advisable they train and practice the tactics that are relevant to fighting in and around vehicles. They won't necessarily be better off just because they have another gun.
Long guns in the workplace or in your gym bag are a topic that has come up before. In a similar fashion to this thread, there are people who balk at the risk assessment that concludes in the necessity of such a thing. Personally, I'm grateful whenever the law recognizes our liberty to declare, "you be the judge."
I will say, that besides training around vehicles and considering keeping a long gun in the vehicle, if anyone is concerned with the kinds of risks presented in the OP, they should also consider body armor. If a person already carries concealed everyday, I would advise adding body armor to their vehicle's contents before adding a long gun. It certainly has a valid application in a terrorist-attack scenario and it has fewer drawbacks to being abandoned in the car.
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