Well the one where you have supplies and encounter a group that demands the supplies or they kill you... giving them the supplies then killing them and getting the supplies would be the way to go, but you kill them when you have a tactical advantage such as cover or suprise or both, not just drop the bag and shoot it out when your exposed which was the closest option to the ideal one.
Another would be the basement scenario, hiding by the stairs would be a good plan, but with your weapon which should have been on you in the first place (which wasnt an option). Not hiding unarmed or with a pipe. In a combat situation like that your weapon should always be on you or at the very least within reach lol.