I have raided the 401k once.
That was this fall to cover expences that insurance did not cover after we got hit buy a Tornado. FEMA said I make to much, the SBA loan Bs is just that BS. FEMA tells you that we will make your house "safe" but not return it to pre incident condition. No problem with that, I didn't ask for someone else to fix my home or pay for it. I just wanted a loan to cover the living expenses that you incounter after a disaster. And it was a Federal disaster area, I have talked to many people in my area who encountered the same things we did and all had the same answer, we raided the 401k.
For guns no damn way I have saving 15% for the last 6 years had now I have a nice nest egg.