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As a civilian, if I pull a firearm on an attacker I'm pulling the trigger unless they immediately cease the attack as I draw. There are no intermediate levels of escalation between drawing and firing. Until I'm ready to deploy lethal force to stop an attacker, the gun stays holstered.
I'm going to approach this somewhat differently though. Why do you choose the projectile that you do? If self/home defense is the objective, then immediate incapacitation is the intended result. Stopping an attacker through deployment of lethal force means incapacitating them. Immediate incapacitation is the result of damage to the central nervous system or major organs. You cannot control the attacker's mental state, whether they are on drugs or not, what their objectives are, you have absolutely no control and often no a priori knowledge, so focus on what you can control. To immediately stop an attacker by damaging the CNS, you must destroy one of its structures. Hence, you must have a projectile able to penetrate with sufficient energy to destroy one of those structures, after being properly placed in the head, neck, or body.
If you don't hit one of these major structures, the other method of incapacitation is massive blood loss. This takes time, on the order of 10 seconds to several minutes given the nature of the wounds, the individual, and the individual's mental state.
Not saying that a pelvic shot is a bad shot, if you can place it accurately, or if it's the best shot you have. If your attacker is wearing heavy clothing or even perhaps a vest and you only have a .32 mouse gun, then a torso shot isn't going to immediately incapacitate even at close range.
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