Winchester, Fed & Remington all make a frangible bullet now. Since tests have shown that frangibles will easily hold together even through sheet rock walls, you don't have to worry about the thick jacket theory.
They were developed as a training round and to reduce lead contamination at ranges (esp. indoor ranges). While not recommended by some manufacturers as a self defense round, make no mistake, frangibles can kill.
If anyone wants to see for him/herself, buy a turkey and let it thaw. Wrap a blanket around it and shoot it. Besides wasting Thanksgiving dinner, you'll probably be happy it was the turkey and not you in the blanket.
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