If a junkie broke into your house all hopped up on something, a .22 wouldn't do the trick, especially in a non lethal place. .22 is bad also because they break apart and shards of bullet go everywhere, its hard to find them all then results in poisoning.
If you have a gun for self protection in your home it should always be shoot to kill. It saves you the chance of being hurt and saves you from lawsuits from the home invader.
I see what you mean about the home damage, I would be more worried about the high calibers going through walls and harming someone else who wasn't meant to be shot.