First of all, if you're under possibly fatal threat, you may as well just unload into the person. I don't see much point in limiting yourself in that regard.
As to the whole issue of "stopping" someone, I've seen mention from "experts" that stopping power is essentially a myth. I personally haven't done that much research into it however. I can say that firearms are meant to kill though, and I realise that while shooting someone centre mass is not likely to kill them instantly, it will probably kill them pretty quickly.
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