As for taking the fight out of some one, there are many narratives for MOH winners that received fatal wounds and kept fighting, it can and does happen.
Everybody worries about over-penetration of his or her weapon, but the potential is for two (or more) people with guns. I know the fields of fire within my house, IE whose bedroom is where, the other guy doesn’t care. I want that threat neutralized ASAP, so I use ammo that will get 12 inches of penetration as per the FBI’s requirements. I think this 12” requirement accounts for outer clothing and shots at “bad angles’ IE through limbs etc.
There’s also the odd chance that I may want to shoot through a wall, or a door or a piece of furniture. The bottom line is, we’ve all got to do our own risk assessment, I value penetration above the potential over-penetration risk.
I also would like to see more studies done, but The Western Journal of Medicine article was the only one I could find.