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However, if he has a gun and he's getting into my car but hasn't driven off yet, and I'm able to access my gun, I might shoot him before he starts driving.
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At which point I always have to ask "why?" What do you hope to achieve by this, other than getting even? You're still going to lose your car (police will impound it), perhaps for a longer time than jsut the carjack, and given that you have shot the guy, I doubt your insurance will cover the damage or pay for a rental car. Throw in the bills for the lawyer, time lost due to court and such, "why?"