Libertarian position response

In comments to this post, Aaron be Bruyn states that there are different "stratta" [sic] of libertarians. Of course there are. just like there are democrats that support guns, and republicans that support abortion. I am talking about the party, and the beliefs of the majority of them.

The point he goes on to make, that a person should be able to "opt out" of police and fire, while still saying that an army is necessary is pure hypocrisy. What makes an army, designed to deal with external threats to the citizenry, any more legitimate than a police force, designed to deal with internal threats to the citizenry?

What if someone were to rob you, and you had opted out? What if your house caught fire? Would you be OK with the fire department standing by while your house burned down because you "opted out?" Or would you all of a sudden want to "opt in" at that point?

You see, fire departments are a way of spreading a risk pool among a large population, thus taking a high cost/low probability event and diluting the cost across that large population. Waiting until you need it to pay for it does not pay for the time that the fire department had be there during the times that you didn't need it.

Same goes for the police. If you "Opt out" and someone rapes and murders your wife, is it acceptable if the police don't enforce the law, because you "opted out?"

This is why I find your libertarian position to be ridiculous. Of course, the national party says:

1.5 Crime and Justice

Government exists to protect the rights of every individual including life, liberty and property.  Criminal laws should be limited to violation of the rights of others through force or fraud, or deliberate actions that place others involuntarily at significant risk of harm. Individuals retain the right to voluntarily assume risk of harm to themselves. We support restitution to the victim to the fullest degree possible at the expense of the criminal or the negligent wrongdoer. We oppose reduction of constitutional safeguards of the rights of the criminally accused. The rights of due process, a speedy trial, legal counsel, trial by jury, and the legal presumption of innocence until proven guilty, must not be denied. We assert the common-law right of juries to judge not only the facts but also the justice of the law.

 How do you plan on enforcing the law, protecting people's rights, and having a speedy trial without police and courts?