For whatever reason, your SA drops or you are distracted by some outside factor. A BG gets the drop on you and has a gun pointed at you. He's demanding wallet and jewelery from your GF/wife.
In the process of giving up your stuff, the BG sees that you have a concealed gun (printing, shirt un-tucked, inside jacket, whatever)
Now BG demands that you hand over the gun too. What do you do?
Step 1...move very slowly to get your gun
Step 2...get gun from holster slowly
Step 3...once gun is out of holster, hit mag release and let mag hit floor
Step 4...watch BG's head, eyes, and muzzle point to the floor where magazine hit (you'll have to be watching the BG's reactions very closely)
Step 5...while BG's attention (and muzzle) is pointed away from you, make your best move, and keep that muzzle going toward the ground. You've only got a split second here, so make it count.
Then a knee to BG's groin, a strike to the temple, Adam's apple, poke BG's eyes out, etc....(get the idea you're going to survive this and play to win).
I left out some alternatives and additions to some of steps that wouldn't be in good taste for posting here. You can use your imagination as God gave you, and hopefully you'll be rather speedy at making decisions on your feet under duress. Granted...it's very difficult for us to deploy our best efforts for survival scenario that we might have thought out in advance when we are taken by storm. Human beings mainly do one of two things....solve problems in the here and now, or wager on the future. If you think your best chance of survival counts on handing over your gun with all ammunition intact, then so be it. Maybe you have enough insight to tell if the BG is intent on killing you. (why would BG ask for your weapon instead of taking you out on spot?) You'll only know for sure when and if the time comes, and even then you'll be betting on the future. I'm only posting my opinions here. When and if that time comes for me and I survive....I'll let you know how things went. It's not like what fish are biting on what lure for what day or what time. You are the best luck you have, and I hope you'll always make the right decisions.