Butch, good summary of the discussion. Clearly if you are in a job were you have sworn an oath to take action, things change for most people. Your summary is right on the mark for the discussion:
"it is about the ordinary Joe citizen/civilian with a ccw that stumbles onto a situation where he may be able to save a crime victim (not an accident victim) from harm, and what obligation does he owe a perfect stranger who hasn't taken the time and effort to arm himself to avoid being a victim."
Play hard, shoot often, leave well worn guns!