Like this. Humans are incredibly fragile to the right form of damage. But they also have a lot of non-lethal or not immeditely lethal surface area to hit. Sure, we'd all like to think we will be dispensing silver bullets to absolutely vital areas of the body because we're all just that good, but real life is seldom that clean cut.Against a human attacker, your goal isn't to kill them necessarily, but rather to incapacitate them. Punching a bunch of clean holes through them may very well kill them, but probably not immediately unless you severely damage the CNS.
Penetration isn't my priority* for an HD round. We're not bears. Making sure I do enough damage to the target so it drops and doesn't get back up is, all while providing for less than ideal firing scenario redundancy. A head shot does that. And so does a round that expands to the size of a silver dollar pancake.
You're allowed to have both
* Hey now, don't be silly. Of course penetration is required for a firearm to do its job. try not to be too anal retentive concerning this one.