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.