I figure the sound of racking it closed out to take a lot of fight out of an intruder
If he is a combat vet or a druggie high on something that sound could trigger an adverse reaction and you won't hear a gun being racked, just a gun going off and a muzzle blast pointed in your direction. Forget fancy loads and gun handling, pick one and figure the only sound a burglar should hear is your safety going off just before you shoot him. The first thing he should see is a bright light in his face so you can make sure it isn't Junior sneaking home or the next door neighbor drunk and in the wrong house.
I have had both things happen.
Light him up
Wait for cops
Keep mouth shut till you talk to lawyer