Maybe this is highly unusual, but in many instances I'm loaded with practice ammo, FMJs, because it's more likely that I'll be shooting with somebody, than at
anybody. We'll meet, somewhere near the property, and head to the shooting berm. So real life is, if I loaded hollow points, I just wasted them, punching paper,
with a neighbor or acquaintance. Many times when I'm out and about, especially during rainy season, when the venomous snakes are about, my first round or three is ratshot. I imagine they would suffice, if the need for self defense arose. Ennh, maybe not.
IANAL, I didn't even sleep in a Holiday Inn Business Express last night, so I have no idea how a prosecuting attorney, judge or jury would react to my using whatever I had in my firearm, in order to defend myself, if the situation ever came up.