Better penetration vs. armor? Not in my opinion. I think the clip point offers better penetration in any situation, and the tanto point just gives you slightly better tip strength. Personally, I think that the clip point option is superior for a self defense blade, but not by any large margin. I don't think it will really make much difference in the real world, but as far as absolute measurable performance characteristics, I'd bet the farm on the clip point. (Disclaimer: I'm from Texas, and this may affect my judgement)