You've not been to Wal-Mart in the last 10 years & seen all the sweat hogs riding those scooters? Their fat alone is a good 5 inches. Compound that with a heavy winter coat & a perp hopped-up on lord knows what, *I* don't want to wish for better ammo, IMO.
My opinion is, we're not in the 1950s anymore. B&W tv's are gone, AM-only radios are gone, skinny women are gone. Modern times & guns should have modern ammo, IMO.
My .o2
Other than maybe getting my foot run over, the Walmart sweat hog on a scooter is not my big concern. But off the shelf .38 target load wadcutters are not now, or ever been, a good SD choice.