I test all carry ammo for penetration thru hard barriers.
For trips to the bank, the carry package changes. I carry a 7.62x25 Tokarev in a shoulder holster, and a 44 Mag snubby, in an OWB. And last but not least, a 9mm PPS on the ankle. Hot ammo. No reloads, no mags, no speedloaders. I try to have 20 loaded rounds on hand. Bullets are fmj or hard cast, no HPs.
All holsters are custom made, designed for speed.
Best of luck to you, and
Check your 6.
For 20 years the sea was my home, always recall the sun going down, and my trusty friend, a 1911 pistol, strapped to my side.