Well, I guess it depends very much on the situation you are asked for.
Generally speaking, I think those are idle questions: unless you're prepared like a Special Force operator, you usually in a crisis situation will behave instinctively. And if the situation is so bad, then you'll die, yes, like anyone else in that situation.
But why they ask the question? Is this something that you are particularly probable to face? Like a job-related risk or a well known danger in the place you live? Because in that case, then I would put much more effort in thinking and training on how to cope.
If, on the other hand, those are idle questions, then I think they deserve an idle answer: "I don't know exactly, but I'm a grown woman, somehow I'll manage it."
As far as I can tell, it's just healthy sportsmanlike interest. Like, "I went to the shop and a drunkard threw his bottle at me, so I waited for a bus on my way back." - "AHA! And what would you have done if there were THREE of them, and they had KNIVES?!" - "..."
If it's worth saying, but not worth its own post, then it goes here.
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