Indeed, ammunition choices in regards to penetration ability is important, particularly to law enforcement. However, it can be awfully misunderstood.
The reason why that latched on to my mind was that I remember when the Swedish police decided that they were going to switch from ordinary pistol ammunition to hollow-point ditto. There were very sound reasoning behind it, for there were plenty of instances where shots passed clean through the suspect under fire. Not particularly safe, naturally. Hollow-point bullets (I believe that is what they are called), however, are less prone to over-penetrate.
Then, there were a bit of a dust-up. Various left-wing groups, I remember, kicked up an awful row and claimed that the police were switching to special 'killing-bullets', for use against them. Other parts of the public were also rather concerned, that the police wandered about with bullets designed to better rip up flesh than the ordinary ones.
Of course, the matter eventually died down, and I believe that a lot of those complaining were convinced of the benefits eventually. Hollow-point bullets does dreadful things to the body, but it is better that the bullet remains in the knife-wielding, berserking narcotics abuser that the police are forced to shoot at, rather than pass clean through and sail on to hit a nearby old lady and the kitten in her basket.
As for the NRA insurance feature, well... It is rather gauche, but a great deal of it is because it is meant to address difficulties for gun-owners in legal difficulty that the NRA has helped cause. It is, however, one more safe-guard against legal cases that can absolutely scuttle a man's life, to no use. It is difficult to not be partly in favour or such a thing.