Think about the direction in which you might be shooting in the event of a home invasion. I live in an apartment too, but I'm right next to a golf course, and the layout of my apartment is such that the most tactically advantageous position for me to take up means that I would be shooting toward the golf course. That being the case, I don't worry too much about overpenetration (assuming it's at night - not too many people on the sixth hole at oh-dark-thirty.)
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