As a concealed carry holder one must be aware of their surroundings. It is always on my mind that my bullet is my responsibility until it comes to a stop. If it hits the target and goes through him and kills someone else you have a serious problem. Crowded areas can create heroes but it can also create felons.
Get your family safe and keep them safe - that's the main reason I carry. Very few nuts will charge the person shooting at them from a shielded position.
From my oft considered scenarios - get you and yours safe as quickly as possible, shooting may make you a target so wait until you have to or have a good opportunity to do so.
Indiscriminate shooting of civvies demands your best efforts if you're armed - this is America. Act accordingly.
;-)
For what its worth I keep two rounds of MagSafe on top to keep things flexible.
You can “unload” them quickly but it does give you a degree of protection from over penetration.
YMMV. ;-)