Standing your ground where there is no access to your trusty side arm, can be rather disastrous. The only time I was robbed, was getting on a bus at rush hour. Several men closed in on my purse and rifled it while a large mob pushed us into the bus. I could not even say who they were once on the bus, never mind shoot them. They would have had my gun as well had I carried one. I knew what was happening and could not do a thing about it.
So these days, I carry very little of value in my purse. Kleenex, some used, a pen or two, cheap pair of reading glasses and perhaps the book I am reading. My card, license etc. is usually in an inside pocket.