Well...
First thing... you should be absolutely POSITIVE you're going to need your pistol in the first place before you draw it.
Next, telling the Officer you had no choice even after you loaded your pistol will have absolutely zero effect... in fact, what do you think his opinion's going to be of someone who'd hoped the sight of an unloaded gun would derail a criminal's plans?
Also, a concealed weapon does NOT give you a time buffer... if anything it increases the speed with which you'll have to act.
Assume you're rounding a corner on foot headed to the corner market... and you see a man kneeling above a woman, ripping her clothes off. He's got a handgun in one hand.
What's your option?
Will you duck back around the corner?
Or will you draw IMMEDIATELY and fire as soon as his muzzle swings your way?
If you duck behind the corner, you've got two options:
1 - Walk away and pretend it never happened.
2 - Draw your weapon, chamber a round, and peek around the corner to get your head shot off.
If you draw immediately and fire when necessary, you'll likely win the battle.
Flyer