It’s always a risk regardless of the decision you make. If you comply, you risk the bad guy shooting you anyway. If you fight, you risk the bad guy shooting you. Either way, the risk is there for substantial injury to yourself.
In the video below, coming from a Dollar Store in California, the owner of the store is actually carrying a firearm and makes the decision to engage the suspects.
For that decision, the owner is shot 4 times and both bad guys get away, yet to be found.
That draw is a serious step, and even though he was forced into the situation, it’s very difficult for an armed citizen with a handgun to go up against 2 attackers, at least one with a rifle. The odds are not in your favor.
