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Okay...are you able to accurately interpret whether a BG intends to shoot you or not when he is pointing a gun directly at you?
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Thats easy. The second he points the gun, he's started the ball rolling. The only way to stop it, is for him to put the gun down and get face down on the deck. Until that occurs, hes getting shot, stabbed/cut, or beaten, or all of the above, at the first opportune moment.
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Are you going to rely on "the insurance company's statistics" to decide?
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Nope.
Personally, I dont see what statistics have to do with any of this. There MAY be statistical data to support or disprove a lot of things, but who cares? It seems to me, every occurrence is a new slate, and the guy with the other gun is the one who makes all the decisions, his and yours.
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Dynamic situations require dynamic responses.
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Absolutely, and you need to determine beforehand just what that will be, given a simple, basic set of criteria. This isnt the time to start a deep, analytical discussion with yourself. If hes walking like a duck, and quacking like a duck, hes a dead duck.
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There is no one size fits all.
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No, there isnt, but you can sure put it into S-M-L instead of 20 or 30 specific sizes.