Just avoid the rumors. Most of which are started by trying to hide the fact that the actor can't shoot straight or that the heart is not an inch above the belly button. the B-27 targets are horrible. Even with a .38 Lead Round Nose bullet, it DOES cause bleeding, it DOES cause severe wounding, and it DOES stop opponents trying to kill you. Vital organs are not skin. The lead round nose leaves about a .25 caliber hole in skin, but the hole through lungs, heart, and arteries are .358, more if at an angle since the tissue density is much different. I love articles where it states that solid bullets just "zipped" through and just poked holes but did not cause any real damage to vitals. When someone is being paid to promote the latest and greatest hollow point bullet then you have to put down the earlier, more primitive bullet to sell the product, despite how well it "worked". Some even give the impression that if you are hit with a ball round that you can just go the the ER, get some antibiotic, and bandage it up. THAT is absurd! If you are comfortable with a .38, in any loading, provided that it is accurate for you, carry that. Again, don't listen to the "popular" gun writer of the week. I have emailed several of them about their comments but I have NEVER received an answer. My question was..."How was self defense even available before the advent of the hollow point bullet, high velocity, and super expanding load?" I would get absolutely SLAMMED if I told ya'll the calibers that I have harvested deer with, all legal, and clean kills, but not mainstream calibers so I avoid the conflict.
My point, is that every American deserves the right to feel safe, which includes the choice of caliber and load. Confidence and accuracy will always be the deciding factor.