Several years ago on a cold winter evening my wife and I decided to go for a walk. We live in a small city in upstate New York which is mostly a bedroom community. While walking we came to an intersection where we found the sidewalk very icy so we stopped for a moment and were laughing about our situation.
A car then pulls up partly on the sidewalk and stopped about fifteen feet away. The driver said something which I couldn't hear but I sensed something wrong as my wife clutched my arm. Then he said "Drop your wallet and keep on walking!" I placed my hand on the grip of my Model 19 S & W which I kept under my coat, having the gun ready but out of sight. The driver then repeated his demand and added "He has a girl with him!", meaning my wife.
At this time I noticed the cars interior light come on as both front doors began to open. Keeping my right hand on the S & W, I crouched on one knee and said "Don't come any closer, leave us alone". The passenger said "He, (meaning myself), may have a gun. let's go". And they drove off. The police responded in a moment as it was called in by a passer by. I was told that these drive by robberies were not uncommon.
A few days later one of our city judges told me that he read the police report and I did everything by the book. He told me that based on what he heard if it had progressed any further deadly force would have been justified. Moral of the story is that my years of training and keeping my cool paid off.