"I can imagine no greater terror than being in one of those situations with no way to fight back. If I happened to be unarmed, and in the proper position, I like to think that I would charge the badguy while he was looking/shooting in the opposite direction, or even better, reloading. I may be old and worn out, but I can still inflict a world of hurt if necessary..."

OBG, I quite agree. Very well put.