And remember the Miami shootout. Sometimes the bullet hits an outstretched arm first, and needs to be able to punch through that, then on through layers of fat muscle and bone, then through the vital organs.
^^ This.
Attackers tend to have appendages that are outstretched towards you.
At 5 inches, if I was to get shot in the gut/chest then it doesn't exactly have much farther to go to come out my backside. Don't know how much more penetration you need after that.
Gut shots don't STOP someone. They'll kill him a few hours or days later after he's used that sledgehammer to maul your face into strawberry jam.
All this stuff just keeps reminding me why I favor heavy-for-caliber loads. I prefer 127gr hollowpoints in my 9mm, 230gr hollowpoints in my .45, and 240gr semiwadcutters in my .44 (if I went anywhere with bigger critters than AZ has I would step up to 270's or 300's).
Your magic bullet "may" have a one-shot-stop potential, maybe. But I don't shoot once. There's three bullets out in less than a second, on COM, before I have any chance to observe reaction of the threat to my response. They're not in the same hole, but they're all within about 3" of each other and at least 9 ring quality, meaning they're gonna hit vitals if they aren't deflected by an outstretched humerus or hard object... At 97% likelihood of 1 shot stopping power of a typical quality hollowpoint and 3 consecutive hits, that culminates to:
97% on shot 1.
99.91% on shot 2.
99.9983% on shot 3.
Frangible BS that maims an outstretched arm rather than decimating rib bones, lungs and heart... puts your safety at risk.