The term "fate" is a catch-all, really, it can mean just following genetic stipulations or accepting events that are not under your control, I am not using it in a mystical sense at all.
With the gun, is there an urge to shoot yourself? If not, then why would the thought ever cross your mind? If the thought does not cross your mind, how are you suppose to make the decision that requires the idea? Ultimately, unless you are suicidal, you will never face such a decision, never have to make the choice one way or the other.
The gun example, again, points to there being no choice made in the matter, you are simply accepting the circumstances as they are. The more you go through your life, the more you realize that you have made very few actual choices in it. The idea of "free will" is very illusory, because everything we do is influenced by genetics and experiences during the first decade of life. Genetics play a much larger role than we once thought, which makes them even more fascinating.
I take no offense, I do over think things, and always base everything on a scientific understanding of the universe.
So then you have an innate desire to jump off the cliff, because if you have no desire, the thought of whether to jump or not should not cross your mind. That's the difference between making a "conscious choice" and simply going with the flow.
The notion of "free will" does inherently demand an opposition as well, that is why many scientific fields are now considering that "free will" is nothing more than an illusion. A choice means there has to be at least two options, and both have to be considered valid options by the thinking organism. Thus if only one is considered valid for any reason, be it genetics or circumstance, there is no choice involved, more accurately, it's foregoing the choice and simply accepting fate.
Also, thanks for your compliment. I find the ideas of other people interesting.