If they run off with my TV set from my home, I would not draw and fire, unless I caught them breaking into my home where I would stop them, if I were inside.
If they want my wallet, unless they have the drop on me, I would draw.
Whether I fire or not, is up to them. It depends on what price they are willing to pay to take the wallet. If I am not prepared to protect my person,
my wallet, my life and my family, then I would never have bothered to
obtain a CHL nor would I bother to carry a handgun. But of course some places handguns are not allowed except for police and for criminals.
I prefer living in Texas where I have the right to defend myself and my property. That being said, I won't attempt to outdraw someone who has the drop on me.