Very few people are wandering around "with a 44 magnum loaded with 300 (gr) hardcast flat points".
However, no body armor in the world will stop a .22 LR to the head at 10 feet.
---Very few people are wandering around "with a 44 magnum loaded with 300 (gr) hardcast flat points". ---
You evidently haven't been to western Montana. We have grizzly bears and that's a very common load. 44's are standard equipment up here.