I’m not sure I understand what is being asked here.
The opening question was, “Do you have a Plan if a bad guy/gal comes at you with a gun/knife/other?” My answer to this is “Yes, my plan is to pull my gun from my pocket and shoot them.”
If I’m out and about in a location where it is possible someone might approach me with ill intent, I typically have my hand in my pocket, loosely gripping my revolver. That said, if I get caught completely flat-footed I’ll need to assess the situation quickly and do whatever I think is most likely to insure the safety of myself and, if present, my loved one.
If the guy just wants my wallet, he is welcome to it. I have exactly zero desire to test my gunfighting skills against someone else if I can avoid it. I might be better than him, but he might be luckier than me. But if I think the villain intends to do me harm, I will roll the dice.
As to surrendering my gun, I don’t know how the villain would know I have one. But in the unlikely event he does I would not be inclined to hand it over. I might, however, give him the ammo, or at least the projectiles.