Well I am new to this forum and I was happy to see so many Krav enthusiasts here!
I think the point you made about "Liability" is interesting. I have been training in Krav Maga with Darren Levine for a few years now and I have never heard him mention the liability aspect in a civilian class.
It has been mentioned in Law Enforcement training however, but the liability is more of a police issue. Civilians are not expected to carry OC Spray, batons, Tasers, etc. or even have the training to know when and where to use them. Police are held to different standards in regards to use of force because of their training and experience.
It doesn’t mean that you won’t get sued, however at least you will be alive to fight that in court. You do have the right to defend yourself regardless, but I do agree there is a sue-happy aspect of our culture and it does play a role in how some approach self-defense.