It must be great to control your own schedule.
When you are still working an 8-5 professional career and raising a family, you don't always get the luxury of picking when you need to go to Walmart or make a run to the grocery store for your elderly Mom.
This thread is a great example of telling me you are retired without directly telling me you are retired.
Beats me where you get this feeling. I think you're reading this into my posting for your own reasons, because this isn't the perspective I'm writing from.
I'm indeed retired...from the Navy at age 41 and currently 18 years into my second career. I've also raised several children, still raising if you consider our youngest is in her senior year at college. Even so, I've been in EXACTLY the kinds of circumstances you specifically cited and yet
I still had choices in the matter.
I'm not going to directly reference the thread that I alluded to in opening comment of my original posting because only the generalities of the topic apply and I'm not about to contribute to derailing another thread or possibly starting a flame war there. This can be a sensitive topic under some circumstances and I chose to deal with it entirely separately.
In that thread were several postings revolving around "If I'm going into a bad area (I'm going to carry X gun/I'm going to wear X body armor/etc.)". The comments were entirely speculative in nature without regards to any considerations as to such things as whether or not they had a choice in the matter of being in that area or other mitigating circumstances. The solutions I'm talking about in that thread revolved more around arming up than figuring out ways to mitigate risks in the first place.
And THAT is what this thread is about.
It doesn't matter who you are, you DO have choices. Even not making a choice is a choice. And all those choices have risks associated with them. Failure to properly assess those risks and make choices which places those risks at levels which are acceptable compared to other risks we accept in life is both poor planning and poor defensive behavior.
You use the example of the timing of a trip to Walmart or a grocery store. I would assess the risks of going to a particular Walmart or grocery store and any hour of the day to be perfectly acceptable for some locations. However, there are some Walmarts and grocery stores I would assess differently. Likewise, there are alternative choices to these places that may be viable in lieu of them.
And even if the places you cite AREN'T the best places to be at a given time, there are OTHER choices you can make which would affect the amount of risk you would assume. Can you call ahead or use an app to have the stuff you want gotten together for curbside delivery? Are there other people who might be able to make the trip with you? Just realistically assessing the risks and adjusting your own behavior/alertness is an excellent choice.
"When all you have is a hammer, everything starts to look like a nail" comes to mind. (Or however that quote is actually worded.) Though what to carry IS important, it's only a portion of what makes for effective self-defense. It's there as ONE TOOL to help you survive a violent encounter. However, except in a very limited number of circumstances, we have other self-defense tools available to us which serve to help avoid potentially violent encounters or mitigate them if they happen. It is absolutely essential that we recognize this and bring ALL of those other resources into play.
"If I'm going into a bad area..." implies one has an awareness that they are ACTUALLY headed, or considering heading, into a "bad area". That means they have enough time to ask that other important question I mentioned: "Why are you going into a bad area in the first place?"
The answers to that question should tell you a lot about how you should assess and mitigate the risks involved.