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To me the formula is the same although it gives different people different results.
1. In handguns bigger diameter bullets leave bigger holes.
2. Shot placement is more important than caliber.
3. For home defense there is no need for something small, lightweight or concealable.
So the logic is use the biggest caliber bullet that you can accurately shoot in a full size handgun. Either of the two you listed would work. Gold Dots, Golden Sabres or HST's should do the trick rather well. I would avoid Safety slug type bullets personally. In fact I would avoid any bullet that relies on stopping someone on a psychological "Oh no I just got shot!" level. If someone puts themselves in a situation where they are worth being shot the only things I trust are blood loss or damage to the central nervous system. Accurately placed medium to heavy hollow points are best at that.
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