"...Body armor you say?..." Any armour suitable to stop either cartridge weighs over 20 pounds.
"...Katrina or LA riots type of emergencies..." Are extremely rare and are dealt with differently than a horde of criminals entering your house or a bump in the night. The over penetration issue is something you need to consider too. You are responsible for where any shot you fire ends up. So the type of bullet, construction of your house and where you are matters. A varmint bullet will likely disintegrate out of a .223 if it hits dry wall. An FMJ will just keep going. 4 or 5 sheets according to the guys at Truth About Guns, as I recall. Glass won't stop a .22 lr. Shotgun with #2's or BB's is best.
"...carbine with soft point ammo is very bad Ju Ju..." Yep. Grapefruit size holes in ground hogs.
"...65 feet from the front door to the patio door..." Mansion. snicker. Lotta glass too?