She was wrong for not having the gun ready....
you may be right, but that is an opinion. Everybody has to make their own choice of how to carry their firearm: one in the chamber, mag installed, etc, etc. I give her credit for having a firearm for a CCW(some people choose to leave it at home) and for having a plan: inserting her mag and making her CCW "hot" without hesitation. She didn't seem clueless.