One senior lady, after I "shot" her four times in a row, said, "You aren't being fair".
Funny enough I agree with her.
Because specifically in your scenario you're assuming an appreciably more skilled shooter, with clear intent to mislead and ultimately to kill a homeowner, who presumably is in the final phase of her initial class. And while that may happen, claiming that this is the case in every single last home invasion might be a bit off.
It's comparable to the many training exercises we did for my beloved little Nugs. We sent two squads versus two squads in a an extreme close combat situation, one was there to scout, the other to annihilate. but realistically the terrain we threw at them, as well as the mission was an obvious breach in doctrine. Simply put it was a two platoon job, and we sent half of one, added a time crunch and well, they did dismally. Of course they lost!
I went through another scenario myself, where we climbed a small mountain, got into our JLists about ten percent into the climb, had our biggest guy "go down" and were forced to carry a 260 pound guy up a steep muddy mountain, in less than seven minutes, under simulated fire, while being asked for status requests every thirty seconds or so. Utterly unrealistic. Did it heighten the stress level, and did it get us to do an enormous feat, sure! We took the record and the streamer! but was this training exercise anything even remotely like something that will happen in the real world? Naw.
So is it possible that the lady may be robbed by an intruder who just taught her all she knows, whom she trusts and recognizes (which will affect decision making), who holds a position of authority, is vastly better trained and is intentionally misleading her with the sole purpose to kill her? Maybe, you tell me. But frankly at a certain point the deck is pretty darned stacked against her in this case. And let's face it, no amount of training can always save your life.
On the other hand an early shoot, because she was so scared out of her mind, from being told repeatedly that she will die ... will land her in jail.
I love hardcore training, but I doubt its outcomes show us anything in relation to a real scenario.