Scnozzer-xcd-9, I am glad you don't have a loaded gun in your house since you wouldn't feel comfortable doing so. With that mindset, it would be dangerous for you and anyone in your house for you to have one.
Regarding your statement there is no need for HD just because there has never been an incident in your 21yrs, doesn't mean there isn't any need. It just means nothing has happened yet. That is the same attitude I use to see in fellow leo who would fail to wear a vest during dayshift because nothing ever happens on days to warrant it.
Also, I frequently took auto burgarly and auto theft reports from people who told me, "I left my car unlocked for 5 years and no one ever did anything to it." I used to tell them, "Well, this incident today just wiped out those 5 years of nothing happening. You should have locked the doors." Never got beefed either, because they knew I was right.
Do what's right for you, hopefully nothing will continue to happen in your town and please don't ever get a gun if you continue to feel the way you do.