The late Jim Cirillo, the former NYPD cop who participated in numerous gunfights in the SOU (Stake-Out Unit) always carried an aluminum frame Colt Agent snub .38 revolver in his trouser pocket. He wrote that the best load for a .38 snub was the standard target wadcutter, even at its lower velocity.
In later years, he tested many HG loads and concluded that the WC bullet shape with its sharp shoulder was the most efficient for stopping BGs. It would cut a full caliber hole in the target.