I just went through this looking for a good load for my wife’s Colt Cobra (1968) and Detective Specials. I use four bullets: Winchester HE 110gr JHP (w/W244), Speer 135gr SB-GDHP (w/Bullseye), GT Bullets 165gr LSWC-HP (w/Bullseye), and Cast Performance 200gr WFN-GC (w/ Unique).
Universal is a good generic choice but try to avoid +P or higher. A good 158gr LSWC at 700fps is still a stopper IF you put it where it needs to go. A miss never stopped anybody so find something you can control without having to think about it.