Stories like this sound so weird to me. Breaking into an occupied house sounds like suicidal behavior. What kind of thought process goes into doing something like that?
I wouldn't say it's often because car break-ins and empty house burglaries are much more common, but it does happen. Attackers pushing their way in as you open the door, attackers posing as some kind of official or salesperson. When the pandemic started, we had guys going around in lab coats saying they were with the CDC.
Police response times are generally very good where I live, but guns are still very common and so is concealed carry. The thought behind it for many people is sort of the same as keeping a fire extinguisher in the kitchen. You're not the fire department, but you want to be able to control an emergency until they get there or avoid having an emergency become a catastrophe.
Most common burglars only break into empty houses.