You gave it by saying things like:

If your well trained and you are happy that your assailant is unskilled then it makes sense to take action :)

Anyway, I think the biggest difference in our standpoints is that I've been robbed at knifepoint.

In the moment, all I could really think was that I wanted to be around for my wife and kids far more than I gave a shit about anything else, so I decided, in the moment, that I'd engage only if it seemed like a physical attack was inevitable. I tossed the wallet, and avoided the attack.

I was, and still am, happy with the result. And I will continue to disagree with those (such as yourself) who advocate fighting simply when you think you'll win, drawing the line instead at fighting when there are no other viable options.