Both BO and DIP have there advantages and disadvantages. Much depends on the cause of the SHTF situation. In prepping there is NO one sizes fits all.
Even a BOL could come under such an attack as described. You never know what a friend of a friend of a neighbor knows.
I believe stealth is always the best plan either defensive or offensive in SHTF. Direct attack with over whelming force will always work though a determined and skilled defender could make it cost his attacker dearly, especially if he takes steps to insure that if over run nothing remains that is salvageable. A few ‘wins’ like that will soon weaken such a band to a point were it breaks up or falls prey to other bands.
Mostly I am with you.
The direct attack with overwhelming force would in all likelyhood come from a starving band of military regulars, after a failure of supply lines. Other than that possibility, I see little chance that anybody is going to follow anyone that isn’t feeding them well. Groups just don’t hold together without solid logistics.
The roaming singles or pairs will fall to the quiet pip of a .22 short at short range.