Hal,
As a new .38 special owner (but not new to pistols or reloading), I spent some time reading reports on bullets such as the Speer 158 LSWC HP and it seems to have a very good reputation. Why do you state "no ammo manufacturer markets a wadcutter as a defensive round" when there bullets available such as this? You state it is an opinion but based on what? I saw photos of these LSWC HP bullets and they have an excellent expansion with very good penetration. I have confidence that these Speers, and other similar ones will do a fine job.
grumpa
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