Seriously, pretty much every VHF has a launcher mounted, therefore one must be able to dodge and use their countermeasures accordingly, including the disruptor. If somebody has a cloak installed then they certainly need to know how to deal with incoming missiles. Don't get me wrong, I sympathise if there are four coming in at once but the only way to win is to learn the art of countering them.
As well as two VHFs to dodge, I recently had a SHF hitting one of my freighters with torpedoes and I almost certainly let him know how wrong that can go. I can safely say that I "proper got ganked", yet I managed to return a substantial amount of damage and survive (albeit I was left with no weapons and very, very little hull). What I'm saying here is to stay cool and figure out a way to survive - I learned this a very long time ago.