I would estimate the .38 special with wadcutters to be about on par with the .32 magnum with "performance ammo."
Maybe a little less, actually.
Kind of depends on how you judge handgun "stopping power."
I think you will find a 4" Model 10 with 158-grain lead-bullet ammo to be VASTLY more shootable than those snubbie guns that feel like somebody is pounding your thumb-joint with a ball-peen hammer.
This is probably the most "shootable" defensive rig I've ever had.
Six shots. Make 'em count.
