No experience with the 0.416", but have used the 0.423" bullet in a 404 on several animals including buffalo. I prefer the heavier bullet (400 grain) at 2400 fps.
More penetration, especially in the worst case scenario you describe, is a characteristic of the heavier bullet and a definite asset. More velocity in an expanding bullet, given equivalent construction, is more likely to result in less penetration.
Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it Almighty God! I know not what course others may take, but as for me, give me liberty of give me death! P. Henry
Deus vult!
Rhodesians all now
| 
