You're completely correct in your outlook. If someone dares to try and use one of my loved ones as a human shield, they will very likely find out that was a bad mistake. The cry by a prosecutor that "You shot them in the face! Why?" will evoke my response, "I shot them in the only vulnerable target area that they presented."
Also, as noted by others, in this day and age, body armor is commonplace, so one may have no choice but to shoot above or below the armored torso.
One must practice, know the limits of how far away you can make such a shot, and beware of any "mechanical offset" issues if shooting an AR or other firearm with a sighting system that is significantly above bore height. Once you can hit an area about the size of a 3x5 index card at a given distance, work on increasing your distance. Also, if possible, add a little motion of the target to the mix. In real life, a person's head is the one part of the body that is most likely to be moving around.