Thankfully I have never been involved in a SD shooting. Hopefully that luck will continue throughout my life - I don't look forward to having to defend myself with a gun, although I would if I had too.
While I am no coward and do pack every day, I would have no problems giving up my wallet to avoid a shooting. Licenses and credit cards can be replaced. The cash in my wallet won't change my life if stolen. While I might feel abused, disrespected and taken advantage of, I would use a gun as a last resort only. I would also not "announce" that I wanted to play - I'd just play! Why give someone who is going to shoot you the upper hand!? That judgement is a very hard thing to do, I get that. If ever I am pressed into that choice, I pray I make the right one.