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The way I look at it there are no fist fights while carrying. Mabye just enough hand to hand combat to let me get out of reach or striking distance to draw but no more. If the threat kept coming at that point it would be clear to me that the individual means to harm me and that is all I need to justify deadly force to protect myself. If the individual backs down when I draw then I would remove myself to a safe place and immediately call 911.

Trying to have a "fair" fight while carrying can never go the right direction. As you mentioned, the gun could come out of the holster and be available to whoever gets to it first, not good. The other individual could discover your gun by contact and then escalate the intensity to a kill or be killed level.