I believe your chances of surviving an actual encounter with armed assailants in your home is best if you hunker down and let them come to you.
sure put alot of faith in your local law enforcement and don't worry about clearing your own house...how did that work our for the people in New Orleans after Catrina. what if your children aren't in the same room as you and your wife? with so many houses set up where the master bed room is away from the other rooms you must ask your self do you want to hunker down and hope the police get to the bad guys before the bg realizes that your children or your mother-in-law makes a good bargaining chip? sure hunker down if you wish ...but you better darn well learn how and what and when to clear your own ... or mentally prepare your self to lose what you have!!