I have a Mossberg 930 (automatic shotgun) for home defense. That's all I need it for. Someone tried breaking into my home 4 weeks ago when my wife and (at the time) 1 month old were asleep. I'd rather my wife or myself have it and use it than not have anything at all. Good thing is the cops arrived only two minutes after my wife called them.
Sure, I'm not saying that all safety precautions of any kind are bad, just that taking it to the other extreme is also bad. It is not always better to have something and not need it than need it and not have it. There are lots of times when that isn't true.
Let's say I have a different experience than you do: I buy a gun and then never have to use it my entire life. Was that a worthwhile investment? I'm not sure it was. It's money spent, and something I have to keep/maintain for decades. Maybe it was still worth it, but maybe not. What if I buy one of everything and anything I could potentially and possibly use at some point in the future? The list of things which fit that description is nearly endless, and would get very time consuming very fast to store and very expensive to own.