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ok here is my take on it, not that anyone cares.
If you are at the gun point and they tell you that they will kill you (not that they will kill you if you don't give them something) I mean they just want to kill you and they don't want anything from you, YES it's time to act even if chances are slick.
BUT if they tell you give me the wallet and you are still at gun point In my opinion if they wanted you dead you would have been dead and they would take your $, so maybe if you give them $ or whatever they want, they most likely not to kill you.
This is my personal opinion, and every situation is different. It just feels right to give them $, I mean lets face it they could have killed you from a distance the reason the didn't (in some cases) is 'cause they just want the $
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