Yes, for the purposes of discussion we often do consider criminals as brave, well trained, and committed. Don't forget about being prepared as well. To consider otherwise would be to make a grave error in underestimating the potential of the opposition. We know from a series of historical events that when criminal are brave (either actual bravery, drug induced bravery, or whatever), well trained, and committed, lots of people get hurt in the attempts to stop the criminals. Many of the 1920s/30s gangsters possessed these qualities as did the SLA, North Hollywood bank robbers, and the Platt and Matix in Miami.
Are all criminals that way? Nope. But they do have one factor on their side that we, as law abiding citizens don't have. They get to screw up shots and hit unintended targets. Heck, they are already acting illegally and so whether they shoot you as a concealed carry person or shoot the woman off to your side who is holding her new baby, or maybe shoot the baby, really is of not legal consequence to them. If you shoot a bystander or her baby, you can expect to face possible criminal charges and to be paying for your mistake financially for quite some time to come. The bad guys have nothing to lose in that regard.
As such, the bad guys have the option of spray and pray firing and they may get lucky in nailing your CCW butt in the process, not out of skill, but out of pseudo controlled volume of fire. As a CCW, LEO, or general good guy, your shots need to be absolutely on target and not over penetrate or they need to impact harmlessly against some wall, floor, or where ever.
The truth of the matter is that if you end up in a fight with bad guys that the bad guys you face are likely not terribly experienced, not well trained, not using well maintained firearms, who have only a mediocre concept of a total plan (get money, run away), and who have a drug induced false bravado. Even so, they may still get lucky and without the constraints on public safety that you have as a law abiding good guy, you are actually at a disadvantage in the fight because of such constraints. The bad guy(s), if he does get away, may never be caught, but as a good guy shooter, you will be there when the cops arrive, your gun will be taken, and rounds from your gun will be ballistically compared to rounds collected from walls and people and if you shot the wrong person, you will be in deep doodoo.
As you review various shootout cases, either in reading or watching them reenacted on TV, pay particular attention to those cases where things go really wrong for the good guys. When they go wrong the most is when the bad guys are brave, prepared, and have a definite plan of action. Most street cops and CCW folks train or take into consideration training for what they expect to encounter, a young adult male, inexperienced, maybe with a buddy, involved in a crime over a small amount of valuable (robbing a convenience store, for example). And expecting nothing more than a neophyte gangster, the good guys often get seriously screwed.