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I would say 5" at 15 yards is just fine.

Remember... one ragged hole when shooting paper is great to show off to the other folks at the range. In reality, you put two in a bad guy's chest, and both are right together and make one hole, you might as well not fire the second shot. When shooting at people, you want a little bit of space between the hits to cause more total damage and get that guy out of the fight.

Also, distance deletes skill, and stress screws everything up. If you can shoot one ragged hole at 25 yards at the range, then you can probably make a head shot on a bad guy running around the mall with body armor on running an AK-47 like it's a bullet hose at 25 - 30 yards.

No matter what, always keep practicing.