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Age old argument. But does this settle it?

"Customer comes in. He was driving around town about 9PM. Stopped at train crossing with train going through. Not many houses around. Car pulls up behind him. Guy jumps out, looks around. Guy comes up to the driver's side. Pulls 9mm pistol and shoots my customer in the arm. Customer is armed with Taurus .45, empty chamber. Gun shot disables customer's left arm. He manages to get one round racked into the chamber but not before the guy gets back in his car and starts driving off. Customer shoots at him through back window one handed and gun jams. Bad guy gets away (He was arrested in a separate incident later). I guess the gun deterred a car jacking, which is what the bad guy was up to. Empty chamber nearly cost my customer his life. Customer now carries his Judge in the car."

Would this guy have been prepared to use his .45 when a guy runs up to the window and shoots him in the arm? If I were seated in my car I don't know that I could have gotten to my gun in time with or without one in the pipe. I know all of the arguments but when one considers that for 69 years I was unarmed, now partially armed with one not in the chamber and better armed with one in the chamber I have still not come to a final conclusion as to how I will carry in the future. As a newbie though I do not carry one in the chamber and I need to work my comfort level to one in the chamber. I have a Bodyguard 380 which requires a very hefty (massive) trigger pull so that is not the issue. I know that everyone on this forum says they carry locked and loaded but I wonder if they just say that or really do it. I know with more training the comfort level will change. Just not there yet. And I admit it.