How do people go a whole lifetime without swinging a fire extinguisher? Their house never catches on fire. BUT if it does catch fire, the fire extinguisher becomes a necessity because it is the tool they need for the task at hand. How do people go their whole lives without needing a gun? Luck. You don’t get to choose when or if you’re violently attacked just as you don’t usually choose when your house burns down (save for arsonists), and I bet most people would choose not to be, but the attacker also gets a say in this. You may not need one right now but if a more physically fit guy is attempting to kill you, it then becomes necessary unless you want to just die. If you’re lucky enough not to have that happen to you ever in life, great! But you don’t get to decide that. Same for seatbelts, how can someone go their entire life without needing a seatbelt? They never get in a car crash. However, if they do get in a car crash, the seatbelt becomes a necessity. Same for airbags.
Clothes are a necessity? Nuh uh, if you never leave your house you can be naked forever, get a WFH job and order groceries. You don’t need clothes to live. See? That’s your argument. It is patently ridiculous.