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Your choice of target should have scoring lines that correspond to realistically sized depictions of the areas of the body most likely to result in rapid incapacitation when hit.

Here's one example.

There are lots of others under various names such as the IDPA Target.

The widely used B27 target is not my favorite. I see it used all the time by folks who feel really good about getting a whole 70% of their shots somewhere on the paper, with most of them well outside the areas they'd need to hit in a real street encounter. It's pretty safe to say you will never encounter a fully exposed nonmoving target that large with a full frontal orientation, and grazing shots or shots to the shirt cuffs won't stop anyone.

Keeping in mind that one can expect his performance to degrade by at least 40% during a real encounter due to the physical effects of a life threatening situation, movement, nonideal target orientation (turned to the side or partially away), partial target concealment (on the other side of a vehicle), etc. during practice I score any shots outside the smallest head and chest areas in the center of the target as a miss.

It's much better to be hard on yourself during practice than to find your skill set lacking in the street.