Being a retired cop at 63 and living in the Cleveland area, my bare minimum for daily carry is a Glock 26, at least one spare mag, pepper spray, a small flashlight and a small knife with a dual edge.
My only concern with a .410 is when it is fired out of the the short barrel of a handgun. Substantial velocity loss will effect penetration.
http://www.theboxotruth.com/docs/bot53.htm