The element of surprise - (to be read very tongue in cheek) Time for me to get over my shock at this bad guy choosing me as his victim. How did my SA not see this coming. Okay, what do I want to do now... Well, he has the draw on me and I probably can't draw and fire before he does, so let me give him my wallet. I can't draw and shoot him in the back as he runs away because my life is no longer in danger......God I hope nobody finds out about this.....let me get my story straight if someone who knows I ALWAYS carry hears I got robbed......
1. too many innocents around.
2. I really didn't believe my life was in danger so I couldn't draw
3. There is such a hassle with the cops and paperwork if you are involved in a shooting, besides this was my favorite gun and I didn't want it taken as evidence, so it was easier to give him the $5 in my wallet.
ME - I would rather open carry and hopefully avoid the scenario completely. YMMV
P.S. (How many posts do I have to make before I can be called an "Expert" too?