I'm firmly in the "can't say without lots more information" camp. That said, I have made a few decisions up front to streamline the process.
I will not lie face down.
I will not go in the back room or freezer.
I will not get in the car.
I will not give up my gun.
If giving up my wallet means that they know I'm armed, then that too.
i think the threat should be neutralized as soon as possible because if they get away with it easily they may become more bold and injure or kill others in a nother attempt.