Ask those same people you know if 5 rounds in a hard-to-shoot package are enough in a multiple-attacker scenario, no matter WHAT their level of training or instinct. The factors you cite are exactly why a better weapon is called for. You are missing the point. If the tool isn't up to the job, all else is meaningless.
To clarify - I said a snub isn't enough. Some snubby defender said basically "well, if it's more than two guys, you couldn't win anyway, so why carry more"? I refuted that, explaining why one man winning over three or four is indeed possible. Instead of carping about the size of my ego, it would be more profitable to draw the appropriate conclusion - a 5-shot snub is a marginal weapon at best, and it can leave one severely undergunned given modern realities.
"The sum of virtue is to be sociable with them that will be sociable, and formidable to them that will not." - Hobbes