In the late 70s early 80s I was in various punk/new wave bands of a minor nature in Sydney, Australia. Sometimes I used to work on the door of a venue for a friend of mine, Joseph, who was a promoter. Joseph came from Canberra where he and another friend, David, had previously played in a band with Steve Kilbey and Peter Koppes.
Joseph later told me what he claimed was the story behind the lyrics to the Church's first great hit "Unguarded Moment". Apparently, Joseph and David had thrown Kilbey out of their band, and the great lyricist had taken this ejection somewhat to heart, though by the time the Church was formed they were all good friends again.
David's girfriend was possessed of a sharp wit and had often used it at Kilbey's expense. So she was the girl with a rifle for a mind in the first verse. David himself had when a child survived being kicked in the chest by a horse. So he was man with a horse for heart in the second verse. Joseph was well known as an ambitious and unemotional person who played the basis with some precision but little emotion. So Joseph was the friend with cameras for eyes in the third verse.
