I think key point #1 is that you have to at least talk to your spouse and other close family members about these things. Start with non-violent catastrophes in the home things (what to do if there's a fire; what to do if there's an earthquake/tornado/flood). Once the family is in the mindset of "staying safe in the face of danger," you can take the next step of discussing a break-in. Once everyone is cool with that, talk about how things should work if you're out and about.
I consider myself very lucky that my wife has been through four pistol classes and has a couple days worth of Simunition training hiding somewhere in the back of her mind behind the latest episode of Rachel Ray and homemade greeting card designs. In fact, my wife is a completely different person when she's threatened ... something I never realized until the first time I used her as a role-player and she surprised everyone by being a ruthless, violent, foul-mouthed little girl. I was so proud.
Walking around with my wife is like driving with my wife ... my behavior changes. There are stupid things I've been known to do while driving that I wouldn't do with her in the car because I wouldn't risk her getting hurt. There are places I've been that I'd never bring my wife. There have been times I've left an area or situation because she was with me.
Does anyone remember the Secret Service guy who got into a gunfight off-duty at a mall last year? He was there with his family. His wife, when the shooting happened, pretty much froze according to folks at the Service who told me the story. His daughter (I want to say she was pre-teen) grabbed her little brother, dragged him behind a big garbage can, threw him to the ground, jumped on top of him to protect him, and then called 911 to let them know her daddy was a cop and he was in a fight. That's just frakking awesome ...
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