For me it just depends on what gear i have on me and if i have a friend with more or not. If i'm on my own i tend to be more cautious when moving around towns etc. But if i have a friend with me i tend to not worry as much i normally would as i know that i we were shot that one of us has the upper chance of returning fire and potentially wound or killing the bandit. I never shoot on first or on site, If i feel as if the player was a threat to me i would be cautious and tend to watch every move they make. If i do feel as if they are trying to sneak around my back, I may shoot to wound, Never to kill. Or just a warning shot.