alanint: You are correct in everything you say. Have you tried Aquila subsonic, 60gr, ammo? Carries quite a punch and as quiet as a mouse when used with "can" (AND that's the 3rd spelling used).
Yes, I use the "SSS" quite regularly, although some integral .22 pistol makers, (like AAC and AWC) won't warrant it. I have personally never had an issue and it does pack quite a punch down range. I even like the funky sweet smell the powder gives off!
I'm also a proud Florida resident where the "Castle Doctrine" is King! No need to back down here...