Terminal ballistics, by definition, refers to what happens when a bullet strikes a body. Not to be confused with internal ballistics (the bullets travel through the gun) or external ballistics (the bullets travel through space). The word terminal does not refer to killing, here.
My post is in reference to stopping a threat, not killing someone. Unless you get a psychological stop, there is rarely a distinction between the two. I stand by what I said.
A soldier fighting a war has a different mission than you and I. We don't have to kill to win, just stop a threat. However, I would take a well trained 22 over a poorly trained 308. Fortunately, we can have both, which is why we don't use your extreme example.
However, much more emphasis is put on equipment than should be, because its easier than being good at something.