I was given a Gerber multitool for my birthday, at least 12 years ago and it's served me very well, a number of times.
Most memorably; We were doing a sponsored bike ride with the Army Cadets, they were pedaling from Blaydon near Newcastle, over to Warcop Camp in Cumbria.
Anyway, during one of the training runs,the female officer, in charge of the scheme, turned up with the minibus and a trailer full of bikes, all nicely locked up with a seven strand cable and barrel type lock.
I drove to the drop off point, only to find that she had the wrong key for the bike lock. Now this thing was 7x 2mm cables, forming a stainless wire rope,which was in turn,coated with heavy pvc sheathing.
It was a 100 mile, round trip to collect the correct key, so it was decided to break or cut the lock off! The officer was a serving police officer and she had selected the best available cable lock, according to her 'crime prevention' colleagues
She was adamant that we would need bolt cutters and big uns at that
It took me about 15 minutes to sever the damn thing, using my Gerber, initially, I cut the sheathing away for about 10cm, then worked the cable loose by twisting it, till I could get one of the screwdriver blades between the cables. Once into the cables, the wire cutters on the pliers went through like butter.
The most notable thing really,was that I had expected to wreck my cutters but they were,in fact,unscathed!
Oddly enough,I wouldn't buy another Gerber, as I don't think they have anywhere near the build quality of the Leatherman
I carry mine at all times when 'out and about', at least that is, when involved in outdoor activities; camping, canoeing,walking, crafts etc.
So I'd say yes, you are well advised to carry one
cheers
Steve