I feel like the combination of the -3 for firing in melee (inc. the rule/house-rule of no Point Blank?), the Reaction they get to dodge, and the potential +Dodge they also get pretty solidly handle the difficulty of hitting someone with the bullet. It's not like the 'realities of the situation' are being ignored.
Dodging is literally what's happening, after all. Grabbing their gun is a whole separate thing, hence the disarm attempt action.