Well, I think the world I live in (as a retired computer engineer) is a lot different than the situation faced by a police officer.

I don't get involved stopping crimes that don't involve me or my wife, I don't arrest bad guys.

If I see a problem I run away from it. If an officer sees a problem he runs towards it.

So I think 5 rounds can stop a mugging at an ATM (for example).

Frankly, I'm thinking the opposite from you in that I think I might need more rounds if my home is invaded by multiple bad guys.

I'm considering keeping something with 8 or more rounds on me at home. Or perhaps two J frames.