You are absolutely right. When Columbine was going down I caught it live and saw the neat lines of SWAT doing nothing. Being active LEO (at the time) I was screaming at the TV, "GO INSIDE THE BUILDING!!"
Yet, our brave SF and spec. ops teams went in Granada with hand-drawn and inaccurate tourist maps, bad comm and didn't hesitate to make contact and do battle with the enemy.
SWAT is no different, they are to seek out and if necessary destroy, they wanted the neat militarized gear and goodies, now USE IT! Same with any beat cop, you've got the training and the deadly force, when the chips are down USE IT! I'm always armed and my mindset is, "what if, what if...", keeps you thinking and looking at objects not as buildings and furniture but cover and firing positions.