Well, I have a little MORE experience than the other poster and although I do realize I'm in the minority opinion on this, I carry all of the above almost exclusively here in sunny Miami, FL. Not because I think it's a "magic bullet" for stopping power or because I fret about the legendary and extremely rare thru-n-thru gunshot wounding a bystander (although that's pretty close) I really worry about the consequence of a miss. With all of the ammo being so denigrated here, if you miss, with the first inanimate object struck, the round simply powders. The RBCD also loses power very quickly beyond common defensive ranges. I'd rather risk the consequences of not blowing the guy to smithereens ~chuckle~ and making sure as much as possible, that I don't have to live with an innocent dying amid the chaos of the event. I also practice a lot more as I get older. I'm also replacing my sights (where necessary) with TFO's and adding CT laser grips, which I just love. When the green CT's come out I may upgrade to them, because they're much better in daylight. One caveat! I do this with the ammo ONLY here in South Florida where the clothing is very light almost year round. I don't think we've gotten below 40* here all winter. But I bring out the down vest when it hits 50! If I go where it's colder, I'll go back to what the PD carries. Again, I know I'm in the minority here, but I'm not a neophyte either! This is just MY choice and I'm not necessarily recommending that anybody else implement it unless they also feel as I do about bystanders.