This is what I would load if in an urban retail location.
Seems like a sensible idea. Personally, if someone shot me or someone in my family because they were using penetrative ammo that came flying through the wall, I would prosecute them to the full extent of the law, regardless of the reasons why they fired the gun. I might be more sympathetic if they used a shotgun or the type of ammo you’ve posted, because at least it shows they were trying to be responsible.