Dude, I grew up in Groton. It's not THAT bad.
I don't know if it's "mall ninja" so much as an unrealistic assessment of the threat level. There's a school of thought that says "if you need one gun, you probably need two." I don't subscribe to this school of thought myself. The chances of Joe Sixpack needing one gun are very, very slim. The chances of him needing two are practically nonexistent, absent some serious threat.
That said, when I lived in Connecticut, I sometimes carried two guns in the winter months. This was because my big gun was trapped under my buttoned/zipped heavy coat, and very slow to access. So I stuck a J-frame revolver in my coat pocket.
I like pocket holsters for BUGs, and that's how I carry my P3AT on the very rare occasions I carry two guns (as when going to South Phoenix).