*blinks* You run FMJ for street carry? You're just stabbing him. As much as I like 9mm, in nonexpanding forms, shot placement is the ONLY thing that is going to stop the guy. I train for the off box, but I also like to be able to transfere enegery to the target. I'm good, and I'm confident, but I've been in a situation where I was at "danger of life and limb", and I can say that after the first act, your reflexes are poo. If they have buddies, you will want to be aiming at the torso, easier to hit. Or to hit at longer ranges.

And I wouldn't worry too much about armour. If it was worth worring about, FN would be selling Five-seveNs hand over fist to the LE market. There is some interest, but no one is rushing to it or it's HK equivelency. For the simple reason that armour isn't likely until you are dealing with the hard core guys. You know, the ones who know pistols are only for discretion or backup.

Oh, and FYI, the .45 is better stopper. It won't send them flying, just down. You should know that. I carry 9mm becuase I can control it better in small packages.