Just to play devils advocate for a second. What if the bad guy with the gun points his gun at you? What if he also makes a verbal threat to you?
I am not a police officer and I don't feel the need to be one. But, speaking as one whose family member was murdered in a similar situation, I always wonder if he had a firearm, would he still be here today if he could have defended himself?
I don't know if there is a perfectly correct answer or one can simply say, I would not draw. I think it depends on the threat level.