It's a touchy situation. As an off duty cop with no back-up, no body armor and a weapon that by it's concealed nature is harder to draw, I run these things through my head every time I stop at the local stop and rob. I'm not dying for the cash in the register. I'm also not going to be taken hostage nor permit other people to be harmed. Something else to ask yourself is have you identified all of the assailants? Do you know that the guy standing over by the sandwich counter/ check writing station isn't also with the robbers, waiting for someone to break cover? Part of traveling armed is a healthy paranoia and the decision to analyize EVERY situation.