I'm sure a lot of people will disagree with me, but for SD loads I use the heaviest bullet (of proper construction) available, even though it usually means giving up some foot-pounds. If I have to shoot someone, I want a hole that goes all the way through, doing as much damage as possible on the way. I'm not concerned about overpenetration. Not every shot fired is necessarily a hit, and a miss would be just as dangerous to any bystander as a bullet that "overpenetrated". I also use handloads, another sore point for some.