You are not being over-cautious. Look, you really don't want to shoot someone in your home if at all possible. First, you may have to clean up a mess. The blood is going to be pretty dry by the time the crime scene people clear out. Then there is the collateral damage. You didn't work that overtime to pay for the entertainment center that is now junk from errant rounds. Then there is the problem with innocent family members in the house. And finally, all of the legal mumbo jumbo that you have to go through if you shoot someone, even if it is in your house. It is much better, for all concerned, if the intruder simply leaves. That is one reason why I usually suggest that you make your intentions toward the intruder clear to him.
As to field loads for in-house defense, I see nothing wrong with them. In the case of a 50' semi-hallway, the the shot's effectiveness is reduced, but multiple charges down range with a high aim point [upper chest] are going to ruin someone's day. Just remember, building clearance is a skill that has to be learned, practiced and mastered. It is extremely difficult to do, efficiently, when you are alone. Especially with a long gun.
Here's a link to a video that may give you some idea on drywall penetration.
I hope this helps.