I think the gun is an option. In the situations described, where there is no distance between you, then disarming is definitely best. But what about when you're in the dark parking garage on your way to the car, and you see those two suspicious guys standing a couple cars down? If you have your hand on the gun already, or have drawn but keep it out of site, you are ready to react instantly if they make a move on you. Just the sight of you pulling out a gun may be enough to make them stand back. IMHO, you can never have too many options when it comes to defending yourself. being both skilled and armed gives you more options, to deal with more situations. I would agree that you're more likely to be in a situation where MA skill would be appropriate, but I stick with the old saying "Its better to have it and not need it (or be able to use it), than need it and not have it."