A 380 wore inside the belt and 100 grain would penetrate clothes all day
Wear one carries it (such as, “inside the belt”) is irrelevant; how it is fired is what counts.
A .380 with 95-grain FMJ fired from three feet away should penetrate even heavy clothing. However, if it hits bone its penetration is generally severely limited.
Like I said, a .380 would not be my first or even second choice, but if I do my job it will likely do its job.
I just like the odds of a heavier, faster round (such as a 9mm or .357 magnum).
That being said, I do carry a .380 on occasion, depending on the circumstances.
I sure as hell would not want to be shot with a .380.