Tell her "Wrong answer".
Carrying only when one is knowingly going into a "bad neighborhood" means one is going armed with a handgun to meet trouble. This is problematic for a couple of reasons.
#1 - If one is expecting trouble, then one is a danged fool to take a handgun. One takes a rifle or shotgun, depending on the situation and expectations, when going to meet trouble.
#2 - The law tends not to view such decisions in a favorable light when undertaken by a private citizen under all but dire circumstances.
#3 - One carries a handgun not because one is expecting trouble but because trouble is so unexpected and unpredictable. A handgun can be comfortably carried daily whereas it's not practical to do so with a rifle or shotgun under most conditions.




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