Like SwatCop said, in a CCW / HD situation, you probably aren't going to be shooting through barriers like glass.

I've owned a couple .40s over the years, still own one, and I don't think I'll buy anymore. If I was assigned one as a duty gun, I'd be more than happy, but for CCW / SD, the round just feels too hot vs. 9mm. And you can't beat Wally's 9mm price....