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After reading this thread and some of the numbers tossed around, I was curious so I programmed my own simulation, and compared it to Internet research.

I used NASA estimates for drag on a sphere, no spin, and accounted for air density and mass (200 grains) to determine terminal velocity. I calculated values from 200-500 mph, which is not out of line with other estimates. This is assuming a straight vertical drop in a standard atmosphere. Obviously, assumptions have to be made, but they are reasonable. I would not want to get hit with something going that fast, even if it wasn't the pointy end.

As has been mentioned, flying at angle will allow the bullet to retain its spin (and stability) and would be much more lethal. As the mythbusters said: yes, no, and maybe.