First, I've lived nearly 50 years without ever having anyone break into my home, let along doing so in the middle of the night when I was there. (Have had a car or two stolen and/or broken into, and a pocketbook stolen from a shopping cart.) I think the chances of it happening are exceptionally low.
I also think that if someone did break in, my chances of getting hurt are much higher if I have a gun. That raises the stakes for the burglar. Well, I'm glad you've never had a break-in. However, this family (in a nice area in Manheim Township) wasn't so fortunate.
http://www.cbsnews.com/stories/2007/06/17/national/main2939761.shtmlI don't know for a fact if the family owned a gun - but I'm going to guess, based on the sequence of events, that they didn't. The outcome might have been different had they owned one.
Now, if people chose NOT to own a gun, that's their right. But your logic, that you're more likely to get hurt if you have a gun,
is absolutely flawed.