Indeed, this does seem a fair problem, especially with all the gun shops around.
Maybe we should mod the game such that a few of the duellists in the towns, the sort with whom you can pick a fight, draw guns on you.
I mean, sure, drawing a sword is historically an honour and a pleasure, but drawing a pistol and having it out is likewise an oldskool joy with its own rich tradition (though the best of such took place with perfectly matching duelling pistols taken from a box and overseen by seconds and crap like that, with such possibilities as one party forfeiting by firing into the ground or air or something and thus both 'fighting' for his honour and letting the enemy get in a clear, easy shot and all that stuff.)
Sorry, that went on a while, didn't it.
Point is, enemies spontaneously drawing pistols in a bar seems like it'd be an easy fix.