I was more worried about them hitting the exact point of aim as my practice rounds. I'll just load up some FMJ as my defense rounds too. Reality is my life isn't a Bruce Willis movie. I'm never going to shoot a person with my gun.
If you don't already shoot enough to have either a strong reloading setup and/or a couple of preferential manufacturers to buy by the case from, you don't shoot enough to notice the difference in point of aim between two roughly similar loads. Unless you are practicing with a 147 grain bullet at 850 feet per second and defense loading an 80 grain to 1500+, trajectory isn't going to be a serious concern.
Besides, you shouldn't be shooting at someone anyway if an inch difference in POI makes it an unsafe shot. Just get whatever's cheapest in 124 or 147 for practice, I always had great luck with Georgia Arms, and get a couple few fifty round boxes of some of the good current duty loads.
124+P and 147/147+P are the only three types of loads I would use defensively given a choice. Since you're buying them ahead of time, and not rummaging around in the dark or being forced to use them by someone else, you can get whatever you want. Current manufacture Winchester Ranger-T and Federal HST are the best, Speer's Gold Dot is kind of a gold standard for acceptable behavior of a defense bullet, anything loading the middle or heavy DPX bullets is a good choice, Golden Saber by Remington works, but has a strong tendency to have core/jacket separations. Hornady's XTP has a long reputation as a very accurate bullet, and it penetrates about the best of all the duty-oriented JHPs (lots of them are made for competition, and aren't actually designed to expand at all), but that's at the cost of very limited expansion. Marginal to me.
Winchester's new PDX loads, the ones that look just like Gold Dots and perform just like Gold Dots, should be good, they're supposed to be the same bullet the FBI just contracted for. Don't think they're available in regular-size 50 round boxes though. Hornady's Critical Defense is intentionally designed for limited penetration, and not by way of increased expansion, so personally I'd pass on it, though people who have bought them say they shoot very well and have nice recoil characteristics.
The biggest reason in my mind to not use the cheapest hollowpoints you can find, is that many hollowpoints are designed for accuracy, they aren't actually made in a way that promotes expansion, so some of them aren't really much better than FMJ.
You shouldn't keep FMJ loaded in your in-house magazine because you have a choice and the freedom to get bullets that work best, you aren't saddled with an institution that forces you to use the least effective ammunition. You don't wear a seatbelt because you love to run into trees at 60 MPH, you wear one because if something like that does happen, you don't want to be launched out of the vehicle.
