The .357 revolver tends to be stoutly built and super-reliable. It's a great choice for a variety of applications.
I personally prefer a bigger, faster, heavier projectile. But that's just me. I wouldn't worry about over penetration, I would only worry about effectiveness.
So, I don't share the collateral damage estimate, and I wouldn't make that recommendation, but shooting the JHP .38 SPL +P from a revolver will be a good performing combination and should meet your self defense requirements. That combo will work well.