The fact that you can't seem to rationalize it doesn't mean it is not rational; it simply means that your personal life-experiences have not lead you to conclude that carrying a gun is prudent. Mine have.
I grew up around guns. To me they are as normal as TV sets and shoes. I put them in the same category as power tools: "useful items to be handled with care."
Your perspective apparently differs. Very well... but that doesn't mean my perspective is invalid. Simply different.
My best friend like-a-brother was murdered at 24, at his place of business, in a robbery. I had been going to go there that night to help him close up shop, as I often did; something came up and I did not go. My friend was a very different fellow than me, he did not go armed or concern himself about crime... and he died young. I often wondered how things might have turned out differently if I had been there. Someone with a higher level of awareness and caution, and a ready sidearm, could have changed the story substantially. But, that is what-if and useless now.... but this matter reaffirmed to me that my decision to go armed was prudence and not paranoia.
Perhaps you will construe this story as more reason to cast me as "fearful". Would you do so if I instead told a story about someone I knew who died in a housefire because he didn't have a handy fire extinguisher? What some call prudence, others call paranoia.... but I think your apparent bias is causing you to fail to see the correlation between the two forms of preparedness.
Once one has grown accustomed to being armed, it is little more bother than wearing shoes or carrying keys. There is no emotional content to my usual morning ritual of adding "sidearm" to the list of things I wear and carry. It is no more burdensome to me than my shoes, and no less "normal".
I'm hardly alone. Most of the men (and a good many women) I know own guns, and many of them keep one close at hand; a fair number carry as regularly as I do. To me it is the norm; to you it seems odd.
It seems to me though, that you're trying to make a distinction about going armed that you don't make about having fire extinguishers, insurance, or a spare tire and tire-changing equipment in the car. You're trying to paint the one as fear-based (irrational fear) and the other as "normal".
Normal is what you're used to.
Given my experiences in life, my background and where I grew up, carrying a gun is "normal".