You can't have a bullet accurately lodge itself into a player or terrain. Vertical's method will have it drop to the ground and stay there - and it will continue to emit trail particles until it dies which may look somewhat stupid.
The general way to make a projectile stick to the ground is by creating a staticshape with the same shapefile as the projectile wherever it hits, however the staticshape cannot be orientated to the direction the bullet came from.
Furthermore, bullets sticking to players is absolutely not possible since you cannot mount a staticshape to an object with offset (without the mount offset resource on garagegames) and even then, you have to mount it to a particular node which will not guarantee that the mounted object moves with the player's mesh it is supposed to be stuck into. For example if you shoot a person in the leg and the default mount node for the fake projectile is the torso, when the legs move it wont move the fake projectile.
And that is why sticking bullets into players is not a desireable route to be trying to take.