Training once a year is not an option
I know a lot of armed citizens do not train on a regular basis, a study of Florida license found that only about 20% of those that are licensed even carry all of the time. I would hazard to guess only around 5-10% train at all. I'm not sure you have to shoot a 1000 rounds every month to stay skilled, but ya know going once a month & shooting 50-100 rounds would go a long way.
Remember every time you miss the target, it's going to be someones property, or even a bystander, and you will be held responsible for those rounds. In the long run regular practice will cost less than, reimbursing people or worse paying for an innocent life.