Some of them are capable of very good accuracy. I'm sure you can find videos of people hitting 4x4ft sheets of drywall at 200 yards.
Hitting the torso at 25 yards is definitely good enough for defensive shooting. With the right loads and practice you can probably get down to head shots at that range! Some dry fire practice with the 38 will help as well although not as much fun as going and shooting with the 22 lol.
Congrats you are definitely on your way man.