Yo TunnelRat,
In my penetration tests HPs have done poorly.
However, should the robber be wearing a vest and carrying a long gun, solid (penetrating) bullets are the most effective defense.
As for collateral damage, if the shot isn't there, I don't take it.
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For 20 years the sea was my home, always recall the sun going down, and my trusty friend, a 1911 pistol, strapped to my side.
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