I feel like when it comes too gameplay, and the other peoples sanity's i think if there's 3 muggers in a property you should comply with orders, if your in passive stance and you have 1 person trying too mug you, Sure go for it shoot them, 2 people A little more risky but you can kill them both. but three people ur basically fucked at that point, Regardless of how fast or how good you are.
Looking at the reply's jimmy's right it preferable too die then too get mugged, but that does not save the headache for people that want too mug and they pull a gun when there outnumbered. I feel like partly its because there's this sentiment when it comes too drugs that rules don't apply in a way. For example
Idiots like this person hear would rather die then admit they should have caved and gave the people that mugged the drugs, just say there outnumbered 4 too 1 no matter how good someone is you will get downed like instantly but after 10 mins they can retry again, there is no real stakes, and in that time the people that want too mug have the police after them because 9 / 10 times they have a scar that people can hear on the far side of Jamaica.
TLDR: personally I feel like if there's three people plus gun pointing you comply and your not going too win that gunfight