TR and TS are correct - consider what LEOs go through whenever a weapon is drawn.
Rules of Thumb I always lived by -
- If a life is in jeopardy - draw.
- If property is in jeopardy - don't - unless you're in a state like Texas or can justify life endangerment, too.
- Hesitation is never your friend.
- Practice regularly - a wounded men can lie to anyone with a sympathetic ear.
I sincerely hope you never have to use your weapon beyond regular target practice.
Richard's $.02 
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“Sometimes the Bible in the hand of one man is worse than a whisky bottle in the hand of (another)… There are just some kind of men who – who’re so busy worrying about the next world they’ve never learned to live in this one, and you can look down the street and see the results.” - To Kill A Mockingbird (Atticus Finch)
“Almost any sect, cult, or religion will legislate its creed into law if it acquires the political power to do so.” - Robert Heinlein
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