This has been argued many times, and in many forums. It IS a personal decision: we all get to decide if we are victims or not. Some people actually like being victims.

When someone points a gun at me - no matter where I am - I assume that I am in danger of being killed. My decision is to take the decision of my life and death away from the person assaulting me. That's me. Your decision is that your life is not "worth killing for". Up to you - you know the value of your life better than I do.

I hope that I never have to defend myself to that extent. I would never use deadly force to protect property - it is illegal in California and (I believe) morally wrong. You're right - I can grow more. But, I can't grow another life - that is irreversable.