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I have always said that you should never rely on a one-size-fits-all approach. Every threat is different and each threat will come with different tactics against you and you have to quickly come up with better tactics to beat the threat. Most defense proponents insist on using hollow points in handguns, buckshot in shotguns, and avoiding rifles altogether for self-defense. While this may make sense in most situations, it never hurts to have multiple types of guns with multiple types of ammo for various purposes. If someone has body armor, I would recommend attacking with full metal jackets if using a handgun and slugs if using a shotgun. That would also be a good time to quickly clean the dust off of the old hunting rifle and bring that into action. Another strategy may be to use a battle rifle such as an AK-47. You may still have trouble penetrating the armor but if you can fire dozens and even hundreds of rounds in a short amount of time, you stand a chance of survival. Chances are the longer you hold off the attackers, the less likely they will stay in the fight but you never know. Tasers or pepperspray may actually come in handy in such a case. In most cases preventative techniques will avoid these problems. If you have good locks on your doors and windows, you at least buy time before they actually get in which gives you time to formulate a plan. Also, I wouldn't hang out with the wrong crowd or flash valuables around. It seems fairly unlikely that attackers are going to go to this length to break into your home unless they already know there is something there that is worth stealing.