I can't really say, "This is what I'd do." It's going to depend on the situation of course.
Multiple gun-wielding bad guys storm into the joint, good chance that you're stuck, right then. Play it cool and hope they make a mistake that gives you a chance to either run or fight. (And though we have a right to stand our ground, that doesn't mean it's always the best tactical move. If I can get out of that situation, it's certainly an option I'd consider.)
Suzanna Gratia said there were multiple times the guy in Luby's had his back to her and she would not have had to be an expert shot to end it right there. Ok, that's with one guy. Multiple bad guys and, maybe they end up in one general area with no innocents in my line of fire, not looking my way, some even have their back to me, hmm, maybe a good time to draw and start shooting. But six guys widely scattered through the place, lots of innocent people everywhere . . . may be best to keep the gun in the holster unless there is just no other way.
I agree with whoever said don't let them move you to another location. Period. Better to do your fighting out front, even with a good chance of innocent people being hurt, than to be in the back room with your hands and feet duct taped when the BGs decide they don't want to leave witnesses.
If they just want the money from the register, that's absolutely not worth risking someone getting shot over. If they're robbing customers, the risk-reward ratio goes up a little. If they're hurting people, that changes it more.
So there are times I would definitely fight and there are times I would just stay calm and try to be a good witness. But in between there are lots of gray areas that would just have to be evaluated on the scene.
I do believe these "what if" games are healthy though. It makes people think about what they would do in certain situations. Just having thought it through may be the difference that keeps someone alive.