I'm more inclined to go the wheelgun route. Of the OP's list, that means the .357 Mag. That's what I happen to have at my bedside -- a 4" 686, but mine is loaded with the same .38 Spl +P 125 gr GDHPs that are in the S&W 15 that SWMBO has on her side of the bed. Partially, this is for her benefit, since she has already determined that she can't handle real magnum loads due to her arthritis. Partially, it is because I can make quicker follow-up shots with the .38s than with the magnums. And partially it is because I feel that, given a good hit, the BG isn't going to know the difference. Stopped is stopped, ya' know. In either case, the handguns are really there just to give us the chance to make our way back to the closet where the .30-30 (loaded) resides. After all, a handgun is not a rifle, and since we have no children I'm not really concerned about shooting through interior walls.
Regarding the choice of the wheelgun: It is due to a number of reasons, and not because I don't have suitable autoloaders on hand because I do. Some reasons include:
> Simple point and shoot interface. If I'm roused awake in the middle of the night, I want to keep it simple. Just grab the gun, point it at the BG, and pull the trigger. No safeties to fumble around with or forget to release. Yes, I have a DAO autoloader that has the same interface, but...
> Extremely reliable. There's next to no chance of a feeding failure, and little chance of any other failure.
> Bullet design. Handgun bullets do not have to be designed with reliable feeding from a magazine as a criteria, they can be designed to maximize their SD potential.
> SWMBO doesn't have to be able to rack the slide since there isn't one. She has rheumatoid arthritis. This is a deal killer with her pertaining to autoloaders.
> No hot brass bouncing around for me to step on in my bare feet. For that matter, no hot brass bouncing around to hit me in the face, or some-such.
> The face-on look at a wheelgun loaded up with SD/HD hollow points is pretty darned intimidating. The BG can SEE what he's about to be shot with, maybe giving him a last, final reason to reconsider his life choices.
> Adequate capacity for the intended purpose. Ok, so my wheelgun and SWMBO's wheelgun both have 6 round capacities. That means that between the 2 of us, we have 12 rounds ready without reloading. That's enough to either stop the fight right there, or should the Huns be attacking it will be enough to cover our retreat to the closet where the real firepower is.
Hearing loss? Unless you are shooting a BB gun, anything you shoot indoors without hearing protection will give you hearing loss. YOU have to determine what level of loss is acceptable. I have determined that the amount of loss that would come from a SD/HD encounter using the weapons that I have on hand is acceptable to me given the alternative -- being seriously injured or dead. I can live with a little bit more hearing loss, I can't live with being dead. YMMV.