I don't worry about overpentrating a bad guy in my house as much as I worry missing and shooting through
several walls in my house. I used to keep a 9mm on my nightstand, but now I keep the 38spl with me at night.
I surmise, right or wrong, that the lower velocity round will do it's job as long as I do mine.
I've considered the .45 as well for the same reason, but fiscal responsibility got the best of me.
