Out of your choices, I'd go with the .44mag loaded with .44spl or 10mm loaded to .40S&W levels. I live in the city, in a poorly built apartment, I'd be worried about overpenetration with any of your choices as is. I could make the same choice with a .454 and load with .45LC, but the guns made for .454 are a bit larger than I'd want to carry around (though they'd be fine for HD I suppose). When camping or fishing with less worry of overpenetration, I'd make pretty much the same choice (one of my personal choices in that case is my .45LC S&W 625MG, which is close enough to the .44mag in the loadings I'd pick).