The 200 grain 10mm bullets weather fired from a 10mm or a 40 cal pistol penetrate a ton 36" or more. I have seen pigs and deer shot with this load(I did the shooting). It flat stops animals. The wound channel is good size and they always exit. Great for hunting. For in town I think a good hollow point is a better choice. There is a load by Buffalo Bore for a 45 that is a 255 gr load that penetrates a ton and leaves a great wound channel(animals not gel). When I leave the woods I take that mag out and put my xtp's in then put the heavy cast bullets in my spare mag holder on my belt. I don't leave home without them.
I think I would worry more about the bullets that miss there target than over penetration. Just my thought