You can't go and shoot people because they are in your house, it would be murder. Yes you should wait for the Police.
All of the Police officers I have seen are quite capable with firearms, more than enough for our average situation.
The criminals are far more prepared to use force against the lady than the lady will against them, putting concealable pistols into the law abiding publics hand inevitably leads them to being in the criminals hands as well and they are far more prepared to use them. We don't have the gun culture of the USA so few people would carry even if available.
The inevitable repercussions out weigh the possible benefits.
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