Maybe homeless person, or kids looking for a trophy of their crime?
I was making a joke about butt burglars, when speaking of being thankful that you were not there.
And I know what you mean about actually being home, most people have probably gone through a scenario like that, in their mind. Crooks are getting bolder everyday, so you have to be ready to react quickly to their actions. It is almost safer have your mind made up, and follow through with the plan under certain conditions.....ie. 1) They have a weapon? 2) Age of the person coming into your house? 3) Entry method and force used? Etc
Whether they are 8 or 80, they have already decided what their course of action is for most scenarios, (Fight or flight). So it pays to be ready, because it is proven that if you do not have a game plan, their reaction to your presence will occur sooner, than your reaction to theirs.