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Sure seems like we went from one or two 5.7 pistols to everyone makes one really damn fast.
I really don't know why.
But, I am sure you came here for the GURPS perspective and I will not leave you wanting.
We have official stats for the FN Five-SeveN.
2d+2(2) pi- when using the armor-piercing SS190.
Average hit of 9 points which is going to punch DR 18 and do no damage on the other side.
Modern, concealable, vests are DR 12/5* (higher DR vs pi and cut, flexible). So the average hit will punch and have 3 pts penetrate which deals a whole point to the target. It's better than nothing. Ball and HP don't penetrate at all!
But you, the unwashed and un-anointed civilian aren't supposed to have SS190 AP ammo.
Damage should be 2d+2 pi- for ball. Though it's fast, it's light. Average hit on someone in a t-shirt is going to reduce their HP by 4.
Using a hollow point ups it to 2d+2(0.5) pi. Worse than ball 9mm because it won't punch armor (not even if you roll max damage); but the average hit on clothing will deliver 8 to the HP pool.
You do get a lot of chances to do some damage, so...
As always, remember that GURPS is a GAME and while its firearms performance is often eerily parallel to the real world, the real world is a much harsher place with regards to getting hurt.
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