I don't really see the point as a civilian in normal life. I will not be expected to make arrests on violent criminals or walk through an active war zone.
A double stack 9mm (or .40 or .45) and a spare magazine should be more than enough ammo for the very large variety of situations a normal person should encounter. There may be a very rare situation which would call for a second gun, but at some point you can only prepare for so much. (the hypothetical "27 ninjas" argument).
Statistically, it's been pointed out that there are a variety of other tools which are more likely to save your life or somebody else's than carrying a gun, let alone two guns. How many people with multiple guns also carry emergency first aid supplies?
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