"Just going to the store" carry
First let me say that I include myself in this observation. It's 8 PM and you need a pint of ice cream. You're already wound down from the day so you pop the little carry caliber in your pocket and jump in the car. But with the street lights already on, you may be heading to highest level of SD requirement/exposure of the day. The parking lot of the local convenience store, at night, is a classic place for trouble. Probably more so than walking the parking lot at work. And yet many of us are less prepared than we were 12 hours before, ordering a biscuit for breakfast. In truth, I'm far enough out in the sticks that the store is already closed at that hour but you get my drift. I wonder why we do that?