We should add one to that original post. "I don't carry because it's cool, I carry because being dead is not cool" Anyway, back to OP, couple things to think about. Frangible rounds are not penetrating rounds... when you consider 2 layers of clothing and a coat... the last thing I want to be thinking about is "will this stop him?" or "Ok, I need to take 3 shots because that's where my HP/FMJ is in the magazine"... considering what other things people have posted about 21 feet in 1 second and average draw and shoot is 1.5 seconds... I don't want to worry about what round I have chambered. Yes, knowing what is beyond your target is extremely important, so is not being dead... in an apartment with drywall and a baby in the next room, you should plan ahead, but not risk your family's life... (but I realize you've talked about HD vs carry, I'm just touching on Walther's 'specific situations' comment) End of the day, carry whatever you feel safe with, and let it be done. Liability insurance, I don't carry an umbrella policy because I don't have enough assets for it to be worthwhile.