Actually a skilled martial artist can disarm you if you are drawing a holstered gun from 20 feet. That same martial artist can take your gun from 3 feet even if it is pointed directly at him/her.
Not as demonstrated in one of the defensive handgun courses I've taken over the years. We tested the 21' rule. When the holstered good guy detected movement of the perp toward him (running), he drew and tried to fire TWO controlled shots on target (not against the runner but a silhouette in front of the shooter). Most students were able to hit the target once, with a second shot straying off target. A few got off respectable double taps.
For a martial artist to "disarm" he must, at the very least, deflect the weapon before it dumps a round in him. This assumes the weapon will be presented to him, but defensive HG courses through TacTrain (AZ) teach the close ready with bore on target immediately after clearing leather. From this position accurate shots at near targets are quite effective, if need be.
As I recall there were 6-8 people in this "Street Survival" course. Not every CCW holder's performance will be as good. The untrained individual will have difficulty against the trained assailant who has the initiative. (So, what you are saying may be true for some but not all.) The trained pistolero will also be essentially dead meat if caught unawares. That is why we endeavor to remain 100% of the time in Cooper's condition yellow (alert), not white (oblivious).
Here in AZ we can now display the weapon, when presented with a potential threat (ARS 13-421). We don't have to wait to be attacked, further guaranteeing your MA reduced chances of success.
Correct.
And if he doesn’t execute that disarm move perfectly, he’s dead.