Then why carry? Just leave the pistol at home and cave-in to the bad guys.
Seriously, if a BG came towards my car with a drawn gun I would for sure draw down on him. At that moment, I don't know if he will put a pill in me or not, but I won't go down without a fight.
<Sigh> it depends on the situation. We can armchair QB until the cows come home and come up with a hundred different scenario. Bottom, use your brain G_D gave you and adjust as necessary. There aren't absolutes. Every situation is different and may you never have to experience any of the ones being brought up in this thread. If you're ever in a situation where you can smell the BG's bad breath and he's holding a gun on you, I hope you weigh your options before going immediately for your gun.