You are a prey item and a means to getting what they want and they have no concern for your welfare. That you may be hurt or killed is of little, if any, importance. Violent criminals have more experience with violent acts than the vast majority of you do. The presence of a firearm will not frighten them away in most cases unless they sense that you are willing to use it. If you are not sure that you can use your gun up close and personal if required and pull it, you could very well be killed with it.
Violent criminals are less concerned with taking human life than in even the recent past.
For whatever reasons, today's murderers are younger and show utterly no regard for the sanctity of life. I believe that the honest citizen is more likely to be killed or injured for no reason by muggers, etc., than at any time in this century. It is my personal belief that each of us has the absolute right to defend ourselves, taking human life if necessary. We do not want to, but if push comes to very hard shove, we are under no obligation to offer ourselves up to the criminal desires and actions of another. As CHL instructors, my partners and I have noticed that a number of persons successfully complete the Texas CHL Course and are not capable of defending themselves.