Shot placement. Shot placement. Shot placement. Shot placement.
Also, remember as a civvie with a CCW, you are not Marshall Earp sent to clean up the town.
That being said, I've wondered about the legality, and perhaps some of the more attuned memebers of the board can weigh in on it, of delibrating aiming for the knees, legs, feet whatever if a bad guy was wearing body armor.
NRA Life Member
"Boy Scout Problem #18: Living with the fear that one day someone will find out you can't tie anything more complicated than a square knot."