I'm not certain what their policy is, but I would assume the officer can take action without waiting if he feels it is warrented.
I whole heartedly agree with you about protecting your family first. Like oxygen masks in an airplane, you can't help others until you are safe yourself. I personally wouldn't fault you if you chose not to shoot back; while I would hope that I could help other people, my primary reason for carrying is the defense of my family. To put this another way; the lack of planning on their part doesn't constitute an emergency on my part.