It might be best if I leave this one alone, but I'm in the mood so here goes.
First, just because some guy has a gun does not mean that he knows how to use it. Even at close range it is amazing how many shots are misses.
Second, handgun wounds are not always fatal; in fact most are not. Statistics from actual incidents tell us that fewer than 30% of all handgun wounds are fatal, and very few result in immediate or rapid incapacitation.
I'm not saying that I want to be shot at or hit. I have experienced both and have no desire to repeat those experiences. But that does not mean that surrender is an option.
Distraction, movement, confusion, delay. Joe Bad Guy is not expecting resistance, he is relying on compliance, and anything that makes him alter his plans or mindset can bring opportunities (to escape, to physically interdict, to bring your own weapons into play).
Surrender is a state of mind. So is resistance. So is survival.
OK, now everyone can tell me how wrong I am.