"This is more about over penetration. I'd be comfy with my browning hi power 9mm. I just don't want to send lead into my neighbors kitchen while they're grabbing a late night snack."
A miss with your "nine" will ruin your neighbor's day just as fast, if not faster, than some buckshot. Check out Box-O-Truth for penetration testing. Your best friend here is to memorize your lines of fire.