One of the first things taught in any Police Academy or CCW course is a weapon is your LAST RESORT! I know officers that have been very foutunate over their careers that have only pulled a weapon once. Granted today, that is changing fast. Trying to back out of the situation is always the best if that can be done. I have had the receiving end of a weapon aimed at me and was able to difuse the situation by staying as calm as I could and backing away. Yes, I was very lucky.
Like Larry, I too have weapons. Carrying them into an insured's house or rental property does not enter my mind as if you do not have the weapon readily available, what good does it do? If you have it tucked in your boot or strapped on your leg, I do not believe the person who is pointing a weapon at you or has a knife is going to allow you the time to pull up your pant leg and let you get your weapon. Even the outline of a weapon can be very intimidating to someone and this could turn a claim south very quickly.
A great many of the physical attacks on women occur from behind. Sometimes defense can be used, but again, keeping your senses when all cain is breaking loose is hard to do. How many times have you read where in a police shoot out 25 rounds were fired by the police and 2-3 rounds struck the subject? These are trained people and their adreniline is at it's peak. For us who are not in that field, the odds get higher that we may not make the 10 ring.
Over time, we all get to know our comfort level for situations. Even then, we can be fooled. During Andrew, adjusters were sitting at lights, had the windows rolled up and were still attacked and items stolen from them. There is no real answer as each of us have to learn our levels, ask questions about the area we are being assigned to and if needed, have someone with us as back-up.