Yes, I know the .22 can be lethal - many years ago my next-door neighbor killed his wife and then committed suicide with one. But my nickel's worth is that I'd want to be carrying a cartridge at least as big as the goblins are likely to be using. If Jawon the Carjacker is holding a 9mm, I'd want to disable him, not just annoy him. My first line of defense however is that my retirement BOL is far enough from the urban jungles that I'll probably never have to carry. That said, the bedside gun is a $400 Beretta 92. A bit big for carry, but if things get that bad out here, I won't be concealing it. I've shot SIL's 1911, and loved it. If I could afford a good one, I'd have one.