Whodat, my wife is one of your examples who does not have the mindset to shoot someone to save her life. She picked-out her own personal defense wheel gun, as she cannot rack any slides due to a crushed arm in an accident. I've taken her to the range countless times, had an instructor talk to her, and stayed out of any pushing and impatient badgering.
She is a helper, from stopping to help terrapins cross the road, to giving money to her coworkers, and she would help anyone at any time for any reason. We've been to relatives' huge outdoor range where I could let my AR stretch its legs, and she got to try all calibers and some she will not fire again. Mainly my XD-S and .45-70 rifle.
She is scared to death of firearms because of an incident with an ex-husband who held her head over the sink and stuck a .357 magnum to her head to intimidate her. It worked. She is now scarred for life, will only take a few shots with whatever she is shooting and hand it over to me to shoot.
Ironically, after getting her wheelgun, she went through a 50 count box after I limbered-up the trigger for her with a few thousand dry fire pulls. I don't know why it went downhill from there, unless the thought of the sink incident.
I worry she doesn't have the mindset to save her life, if that time ever comes.
I had a discussion with a returning vet about this very issue, and it not only applies to my wife, but soldiers in the heat of battle "freeze", and can't pull the trigger, even though they are in grave danger. He's seen it.
She doesn't carry, and uses the .38 special as a night stand sidearm. I've given her a half-dozen lady firearm sites to visit and peruse, but she only went to one for a few minutes.
She has the tool to protect herself (I wish she could have used a semi-auto), but I'm worried about the freeze factor. Sorry for the editorial, but thought it needed shared.