Hitting your target notwithstanding, I keep a .45 in a GunVault for home defense. I have 2 small boys across the house, so I keep frangible hollow points loaded. There are several walls of sheet rock between my room and theirs, but if for some reason I end up in a different part of the house and closer to their rooms, it still gives me peace of mind. I get the stopping power of a .45 and the points are extremely wide, so I know there's little to no chance of it not opening and disintegrating on bad guy impact, and if particles do over-penetrate, they are much less likely to puncture several sheets of drywall. In my car I have heavier weight, low speed 9mm Critical Defense HPs in case I need to shoot through glass, and if I'm firing from inside my vehicle, the lower powder charge's concussion will (hopefully) do less damage to my ear drums as opposed to my buddy who keeps a 1911 in his truck. I can't imagine discharging full load .45s inside a closed vehicle. So it all depends on your situation.