While knowing that it’s difficult to know how one will react in the heat of the moment, when I run these kinds of scenarios in my imagination, I think of a certain (probably inaccurate) military quote: “c’mon you sons of bitches, you want to live forever?” We’re all going to die someday, and going out possibly saving even one life sounds a lot more satisfying than growing old and decrepit and dying of cancer (possibly alone, as we have no kids ) My wife probably wouldn’t approve of this however.
Even if im not a knowledgable fighter, make them waste bullets on me. Make them waste stabbing time on me. As for the bomb vest concern, I would think that any attacker’s plan will involve trying to get more victims as time goes rather than less, so I would always assume the earlier the better.