The .38 RNL bullet/load is great for range work, and works OK on rabbit-and squirrel-size critters--sometimes--, and maybe even on possums and small coons. But there is a reason a lot of old cops consider them the original 'Cop Killer Bullet'. They just don't work good on people. And for those who have a few anecdotes on the bad guys who dropped on the spot with one shot to the big toe, there is a high ratio of 'didn't stop' to 'stop'.
That bovine-processed fertilizer nonsense of 'Are you gonna stand there and let me shoot you with it?' is what people smarter than me call a 'specious argument'; I've heard the same baloney about .25, .32, .380, .22, and other such nonsense. I'm not gonna stand still and let you run over me with a Yugo, either, but I won't recommend it as a good idea for daily transportation.
The RNL .38 load is not, and never was, a good choice for defensive duties. Just because a lot of chair-polishing office wonks made the line cops use it for way too long doesn't make it right.
Use it for what it's good for--poking little holes in paper, training new shooters who are leery of recoil, and maybe to dispatch the occasional small critter. But load your defensive gun with something that will be more likely to let you come back and tell the tale.
Then there's the scary silliness of using the Taurus Junk revolver with any .410 load, and thinking it's a viable choice for defensive purposes--but that's a whole 'nother thread. Acebow