There is no suffucient data to make such assumptions.
There are plenty of cop shootings where criminals soaked up 9mm and above on torso, and still attacked the officer.
What makes you think a regular people with less than 9mm would fare better?
And yet many in this very thread argue that 9mm and above is the suitability limit for defensive ammunition. So despite the ineffectiveness of the 9mm in the real world, most here will champion it because it goes a certain depth in a block of jello. Let's not forget that the FBI standards are the result of the failure of the 9mm in the Miami shootout. If you believe that carrying a .380 is marginal, and are confidently carrying a 9mm, then you are deluding yourself.
Of course, if most people were honest, they choose the 9mm for the same reasons some choose the smaller .380. They want an easy to conceal gun with decent capacity, but the 9mm is cheaper to shoot than the others, so it becomes their choice. If .380 ammo was cheaper than 9mm, the argument would be whether or not the .32 was marginal.