I am a new homeowner and just recently got my gun permit. I am looking for a firearm to protect my home and my family (since my dog would likely attempt to lick a robber to death). Price is a concern but I won't sacrifice reliability to get a larger caliber handgun. There are quite a few .22 handguns in my $250 price range but almost every forum I have read says that .22 is too small to stop someone breaking into my home. Is there that much difference in effectiveness between .22 and 9mm for example. Any constructive feedback is appreciated.