For me I don't own anything that is worth my life, its just stuff. I'm calling 911 and waiting with by my truck, gun in hand. Obviously if I thought my wife or one of my kids could be in the home, I'm going in locked and loaded. As far as clearing the home solo to catch a thief, I went to school with the local police chief and would call him directly probably before calling 911 as he is less than 5 minutes from me.