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I agree 100% with what Keith B said.
I would add that the bleed out can be slow. Even a shot through the heart, with just about any handgun caliber, while probably fatal, may not incapacitate them for a few seconds to a few minutes. Even a few seconds can be a long time in a fight, plenty of time for them to shoot or stab you if the attacker is determined. That's why people say to keep shooting until the threat is over. Don't stop just because you know you made a good hit.