Yep. It's funny, because I knew about that verse even then, I agreed with what you said- but I seriously thought it just wasn't trusting in God to defend yourself with a gun. As if you could slide along and get C's, but really you better try and shoot for the A's because you never know when you might have to cash in those brownie points for some really serious trouble that might come along down the road. That's the kind of teaching many churches do- if you stay pure enough and follow the rules enough and have enough faith, then God will just take care of everything. If God doesn't bring a thing right into your lap then it wasn't His will. So if you're home alone or have to take a bus in the city late at night, then if you just have enough faith and stay full of the Holy Ghost enough and don't think bad thoughts then nothing bad will happen, or you will be miraculously saved. And if something bad does happen, why then somehow either it was God's will in some inscrutable way, or it's just an example of how the rain falls on the just and the unjust, and wicked mankind allows for evil things to happen that God never intended.
I'm guessing that this is more of a Northern states thing.