The Nagant is a very poor choice to bet a life on, no matter how cheap it is to buy.
Commercial PRVI Partisan ammunition in the correct caliber is cheaper than the .32 S&W Long (about fifty cents a round), but both loads are low-powered and may chronograph around 600 FPS or so through an average Nagant.
I have not tried the Fiocci.
The lead round-nosed bullets of the .32 S&W in any factory version are also very inefficient in terms of terminal ballistics, and in my converted Nagant they build up lead deposits around the forcing cone.
The Russian steel-jacketed surplus stuff chronographs at 900 FPS through one of my unconverted Nagants (still low, it's supposed to be around 1100 FPS), which is a better way to go if you insist on using a Nagant for any serious purposes.
It's a flat-nosed round that's still far from the best choice for defensive applications, but far better than the very anemic .32 S&W in any factory version.
Otherwise, the guns are very hard to shoot rapidly or accurately in DA mode.
With ammunition an individual gun likes (bore diameters vary & if you get an oversized one accuracy will be affected), 25-yard groups can run from a little over 2 inches off a rest to 6 inches or so.
I have three Nagants, they're great pieces of historical militaria, and they're fairly durable, but Nagant did not develop the gun to be efficient, just to provide very basic functions. And the Russians never intended it to be anything more than a last ditch close-up proposition by troops who weren't issued rifles, it was never a major part of their field armament tactics or expectations.
They typically carried the things in full-flap holsters with 14 spare rounds carried inside another flap-covered internal pocket, absolutely no expectation of a quick reload whatever.
If reloading your truck gun may be required, you can forget it with the Nagant. Quick reloads were never designed into the things.
If you have your heart set on one for defensive uses, just make your decision realistically & understand what you don't get for your hundred bucks.
Denis