Typically, HD ammo discussions center around two factors: Will the load stop the BD guy, and will the load pose dangers from over-penetration. Obviously, your particular environment has a great deal to do with your ammo selection. Do you live in a city apartment with children in adjacent bedrooms, or are you an empty nester living in an isolated country home? Should you develop a HD response scenario before you decide upon the appropriate HD gun and ammo? I suspect, there are folks who purchase a tact-cool shotgun for HD before they've really determined if it's appropriate to their environment.