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There's where we have a disagreement in tactics,
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We do not disagree. I won't try to clear a house or confront an intruder (unless forced), I'm not trained for it. Everything I have is replaceable. My wife's safety, and secondly, mine, is of ultimate importance. I'll bunker my wife and we'll (she shoots, too) "hold the fort" (my upstairs is ideal for it) with close-in weapons while hitting the panic button on the alarm and calling the cops.
However, a lot of people WILL try to "clear and confront" and my advice was directed at those.