K9PO,
Feel free to surrender your possessions to someone simply because they demand them of you - even if you have the means to stop them. I'm quite sure you'll get your family heirlooms etc back when they are tired of playing with them.
Plus any cash you might have been keeping around to pay for minor things like... Food, rent, prescriptions you really need the bad guys won't take because they know how much you need it.
That mindset really pisses me off to no end. The question should not be, "Is it worth shooting someone over your family heirlooms?" But rather it should be, "Is breaking into that family's home to rob them and possibly hurt/rape someone worth getting shot?"
I have no desire to shoot someone. Ever. Really, truly I do not. However, if someone tries to use force on me to rob me, I don't plan on rolling over. And it has nothing to do with losing my minimal cash that I carry or having to go through the pain in the neck of making all the calls to cancel my credit cards.
The simple fact is that when someone threatens me with a weapon, I expect that they are planning on using it. Often times, criminals are now deciding that witnesses are far too inconvenient and easily disposed of. So I am not going to risk my family's welfare or my own on a criminal's promise to let us go unscathed if we just hand over the goods. And if I find someone in my house, I assume that they have every intent of using deadly force against me if they encounter me. They had to force their way in. It isn't their home. It is mine and it has my beautiful wife and two young children in it. I don't care that he might have just had it in mind to make off with my microwave and DVD player. I have no way of knowing that. He is in my home - my sanctum sanctorum - by force. I assume the worst.
And just to head off any worries, if the guy dropped everything and ran for it, I wouldn't use force to ultimately stop him. I'd get a good look and make sure I was a good witness for the police. However, I would certainly try to convince him of the need to stay put until the police arrived.
And unless you are serving in the military, you are a civilian as well.