I just found out that my cousin was robbed at gunpoint a few weeks back. He doesn't carry.
Apparently he was walking to his car when a single BG came up to him, pointed a gun at him and demanded money and his car keys. He complied and the BG took the car and drove away. My cousin and his wife were unhurt.
The question is: if it was you and you were carrying, would you attempt to do something or would you comply and cross your fingers?
I typically cary at 3:30 IWB so it would be easy to draw when feigning a grab for my wallet. BG should be surprised and stuck in an unusually long OODA loop segment. A step off the X, perhaps a sweep with my week hand to push the gun out of the way and a few shots could end things really quickly.
On the other hand, things could go terribly wrong. He could be twitchy and shoot the second fast movement started. Things might not go according to plan. Depending on who's standing where, bumping the BG's gun might end up with it pointing at your spouse etc. Out drawing a gun pointed at you can be bad. etc. etc.
In the scenario described, my cousin was out a few bucks but survived.
So, for whatever reason, you end up with a BG three feet away from you pointing a gun at your face. Your wife is standing next to you. What would you do?
Edit: I know that the short answer is "it depends". What I'm asking though is what's your plan. Do you plan on complying or do you plan on fighting?