I disagree.
There's an old military saying: “No plan of battle survives contact with the enemy.”
As Mike Tyson said: “Everybody’s got a plan till they get hit in the face.”
I believe you won't know how you'll react until the time comes, no matter what your plan is.
Well, of course no one ever knows until the flag flies, and it’s different every time, but the way I took the original article it was a boiled down version of the “ROE” discussion that’s been a part of every CCW curriculum I’ve ever seen.
Having thought about, and made at least some general ROE’s for yourself in advance of any trouble, is just good sense.
I’ve also found that in any real-world high-stress situation I’m about 30% of my average training performance, which is, so I’m told, not bad.
I guess I’m agreeing with your assertion that no one can know for sure until the time comes, but it’s still prudent to have a plan for different contingencies.