Have you ever been completely destroyed?

[Mike Abberton]

It has certainly happened to me. More times than I would like to admit. ;)

If things are truly hopeless, i.e. I basically have no combat power left at all (down to HQs, artillery, transport, etc.), I would and have surrendered, but if there's even a chance at getting the minor loss rather than a major one, I'll fight to the end.