Gunner, yeah, thought of it and have considerded how to fire and at what angles (dropping to a knee and firing upward, etc.) to make sure that line of fire has less problems associated with missed shots going someplace more likely to harm bystanders. I think that should be a first order of business for anyone considering home defense, to walk through your home and take a look at possible entry ways and from where to shoot back. I mean, if your home is facing a daycare center and the BG comes at you from that direction, it might be morally wrong to set up your sights on the bad guy with the center being the backstop; or planting yourself, despite good cover, so that the bad guy is firing in the direction of the daycare center. One of the other reasons I think shotguns are good---less over penetration.
Also, I would certainly recommend taking a defensive shotgun class (any defensive small arms class for the weapon you decide to keep) and explore carrying and handling options which actually are not that cumbersome, to be honest. Some of the more advanced classes will have you alternate between the shotgun and your handgun. Nothing wrong with having both. Not only that, I take exception (at least for myself) to having to hunt around a house/apt or whatever and find the bad guy, unless having to go to your kid's room in a hurry to make sure all is OK.
Have a safe room with clear line of sight outward to entryway(s) into the room, and make the bad guy come to you. And call the cops. I just wouldn't go chasing someone, (or someone
s) where the element of suprise might be on his/their side and I lose control of the environment. My job is to defend my family and home, it is not to stop the BG if I don't have to, and I can always replace broken China or stolen stereo equipment. Survive the encounter as healthily as possible along with your family.
I am going to leave it to the police to catch the criminal. If it's not worth dying for, I am not gonna fight for it, and that leaves out fighting for my car, jewelry or the few hundred dollars in cash that a home intruder may take. I do have insurance for a reason.
Of course, this is all hypotheical and SD situations can and will vary. I just happen to think staying put in a secure location with a cell phone in hand when broken glass noises are heard at night is more comforting with a Remington 870 loaded with 00 than going downstairs with a handgun.
Though, I do concede the fact that convenience and portability is what handguns do offer....and they're so darned cute, to boot.