Dusty...,
The most "urban-safe" full-power factory load I've found is the plain-jane Remington 180-grain jhp, catalog #R44MG5.
I carry it in my 4-inch 629 Mountain Gun while I'm on duty as a deputy sheriff and it's easier to control under rapid fire than the heavier 240-grain-plus loads some folks use. I use the flat-shooting Sierra, XTP and Federal 180-grain jhp .44 Magnums for whitetail deer-hunting and get full body penetration on broadside shots. However, I don't recommend you or anyone else using the 180-grain Remington on deer as it has consistently expanded too quickly and fragments a bit instead of driving all the way out of the deer's far side. To be sure, while the Sierra 180 and other 180-grain .44 Magnum jhp's completely wreck the animals' lungs and heart area, the quick expansion and fragmenting of the Remington 180 turns the deer's heart/lung area into a puree but doesn't exit the animal's chest cavity as I'd prefer in a hunting scenario.
Because of that, I figured it'd make a pretty damn good load for defensive use on two-legged homicidal assailants. I've seen the autopsy results of two felons who were shot by lawfully-armed citizen defensive shooters with 180-grain .44 Magnum jhp's, and there's not much difference in the terminal effect between a 200-pound whitetail and a 200-pound felon. Be advised also that the felons don't withstand the impact nearly as well as a deer does.
I have tested the 180-grain Remington jhp in calibrated 10% ordnance gelatin at our lab and it penetrates through 4 layers of cottom denim (replicating heavy clothing) and into the gel around 13.5-inches with a recovered expanded bullet diameter of .81 caliber or a bit more. It is a fearsome anti-personnel load without nearly so much danger of excessive penetration, if that's what you're looking for. It's sure my choice after 30 years of being a cop in a metro area.
Hope this helps.
