unfortunately, in many cases (not all) folks who are applying are fully capable and qualified, etc... but they dont have a terrific reason to be carrying!! So, they find themselves making up a BS excuse to get it put through. I think that if you pass the background, pass the course, and have 5 folks vouching for you that putting down protecting yourself / family and/or property should be just fine.
Fortunately, i do have a valid reason and 5 friends who were gracious enough to put their signature on paper.
Moosie