In my experience, home invaders want the minimum possible interaction with the occupants, and see physical violence as an absolute last resort - a disastrous outcome to be avoided if possible.
People who want minimum possible interaction with occupants try to burgle a place when it is unoccupied. A dwelling being occupied is what distinguishes a burglary from a home invasion.
Now, that's limited of course to people invading the homes of strangers. People with a grudge frequently go looking for their enemies with intent to harm them, and might well go to their homes.
While that is somewhat true, there have been many cases of home invaders going into strangers' homes with the intention to harm the occupants. There has been many a death penalty case in this country with such a scenario.
But assuming that you don't have violent criminals as acquaintances, you are certainly not being targeted for violence by housebreakers. That seems to be a popular and unexamined fantasy of the American authoritarian/police community, with zero basis in reality. It's propaganda.
It has a basis in reality. It may not be very common, but it does happen.
Example:
Cheshire, Connecticut, home invasion murders, 10 years later
There have been other cases of deadly home invasions, or home invasions where occupants were harmed, but this case was particularly notorious.
But don't tell me this is rare. For example,
this home invasion just happened in my neck of the woods.
I do not think a homeowner should have to take a chance that the home invader is just an idiot who can't tell when a house is empty vs. somebody who wants to harm the homeowner's family.
People just are not interested in violent conflict with strangers in their victim's own homes. What would they stand to gain by such violence?
Maybe that's how they get their jollies. Criminals are not always rational.
People who take risks for zero perceived benefit are vanishingly rare lunatics. But your argument assumes that they are commonplace. Which is itself insane.
No. The argument assumes that the homeowner should not have to take that chance.
If you invade somebody's home, you take your chances. You may get shot, and you may catch murder charges if your accomplice is shot and killed. That's occupational risk. Don't break into occupied dwellings if you don't want the possibility of the homeowner shooting you legally.
Paranoia isn't a sound basis for policy.
It is not paranoia when such people really exist.
What would be your preferred policy? Protections for home invaders and harsh charges against any homeowners who defend themselves?
Oh, and you still advocate for paying "protection money" to burglars and robbers, right?
Now that is not a sound basis for policy!