But until you have been in a situation requiring you to draw a firearm, point it at another human being, and pull the trigger, you simply have no idea whatsoever what you will do.
I disagree with this wholly.
Human beings are hard coded at the instinctual level to fight for their lives when in peril. Assuming that a person hasn't been environmentally habituated into the stop, drop, and beg mentality, the will to survive is ever present, quietly existing under the consciousness to get us through the toughest of times. Dynamic, force on force training simply harnesses the instinct so that a person has a skill set on which to draw in the moment of need that doesn't require conscious thought. It does not supplant the fundamental will to live, however.
Without going into unnecessary detail, I know exactly what I'm willing to do at the critical moment and what I'm capable of to bring that will to fruition. Let it suffice to say that a gun is but one tool among the many implements of survival mister. The software that's required to use those tools effectively is between one's ears and as such, how far one will go to live can be evaluated independent of the actual use of a firearm in a self defense scenario. In other words, drawing a firearm, pointing it at another human being, and pulling the trigger is not the alpha and omega to this discussion. I can't help but to wonder if it's because of your personal uncertainty of what you would do given the scenario you assembled in quotation that you are assuming the same must be true of everyone else.
The point on which I agree with you is that the legal, financial, and social aftermath of a self defense shooting remains unknown until it happens. As this may be different with each case and varies widely according to factors such as location, local politics, and local culture among others, it must be experienced first hand to "know" it in the manner of your point of view. But in any case, you can bet that the shooter and survivor won't emerge from the situation completely unscathed in all categories.