I would like to know the least expensive bullet for target practice using my 40 S&W XD 40? I don't want to waste money buying good self defense bullets just to target practice with. I would like to know the best bullet at 115 grain and 124 grain. I am also wondering if there are semi wad cutters available for the 40 S&W auto loader? I also want to keep the recoil down because of the arthritis in both hands from 50 years of Sheetmetal Work, need recommendations for this load also !! Thanks, 74man