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In my penetration tests HPs have done poorly.
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What do these tests consist of and what ammunition have you tested?
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However, should the robber be wearing a vest and carrying a long gun, solid (penetrating) bullets are the most effective defense.
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Besides the 7.62x25 you mentioned, standard pistol calibers are not penetrating a class III vest, fmj or jhp.
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As for collateral damage, if the shot isn't there, I don't take it.
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That's not my point. A shot may very well present itself and you take it and you end up with over penetration and the bullet continues and hurts a bystander. Do jhps solve this entirely? No, I won't pretend they do. But they certainly help.