I guess I'm in the "get to cover" camp. I'm not saying there's no situation where I would intervene to help someone out, but my primary concern is being able to protect my wife and kids. I carry a gun to protect my family - nothing more, nothing less, and I absolutely see using it as a last resort.
If we're out in public and shots are fired I'd grab the kids and run away. If we can't, the plan would be to get between the guns and the kids and hope all the training pays off.
If I was out alone, things might be different, but as those of you with small kids can probably attest, I'm never alone. Trips in to town are far too exciting for them to not ask to come, and time with my kids is too precious for me to say no.
Same goes at home - my first concern in the case of a break in would be to make sure everyone's safe, then call the police (~1/2hr response time for the inept sheriffs deputy, and close to an hour for the state police out here), then I'd probably try to pry the dogs off whatever poor soul decided to ignore the barking and break in anyway.
If someone else was hurt because I was busy protecting my family I wouldn't have to "live with myself"; I'd be living with my children.
I'm certainly aware that lots of you out there feel very differently about your role, but I'm okay with that. So how 'bout I try not to consider you guys "trigger-happy", or "cocksure", and you not consider me "selfish" or "untrained". We all walk our own path.
si vis pacem para bellum