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I don't think the bandit can react that fast.
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There's a big difference between "can" react and "will" react.
Average human reaction time is around .25ish, with some folks faster, some slower. You're not going to beat that from concealment against an individual willing to pull the trigger. Been there, done that with sims.
However, when it comes down to it, we probably won't have to, as fights are nothing more than a test of will. Lack of will on the criminals part can lead to hesitation, and I am of the opinion that most, but certainly not all, armed criminals want to get away with their crime without having a murder rap to deal with, so there will more than likely be some hesitation on their part. You see it all the time in crime videos.
Criminal lack of will that creates hesitation, combined with deception or distraction (such as you mention) and masking some of the draw stroke, can all buy you more time and enable you to get off a shot, but there's no guarantee. There never is.
IMO, since there is NO guarantee that you won't be shot and killed despite being compliant, you might as well fight as if your life depended on it, because it probably does.
Do what you think is best.