You know, I just make life simple and use Hydra-shoks in both my .357 and my .45. They work good out of both guns, and while I am sure an argument could be made for the superiority or advantages of any of the other SD rounds, Hydra-Shoks have a good reputation for performance. Additionally, they are easy to find, which is nice.
This is honestly not one of the more informed opinions I have ever given on THR, but my patience for testing ammo that is as expensive as the SD ammo tends to be pretty low. They function good in both guns that I need them to function in, so Hydra-shoks it is.
230 Grain FMJ. No need for hollow points in a .45 ACP. There's really no need for hollow points in any handgun...they're a gimmick.
Shot placement...they'll stop all the same if hit well. If not hit well, no JHP in the world will make up for it.
There is nothing wrong with using ball ammo in a .45 as your SD ammo, but it's false to say that hollow-points are a gimmick. I think there is plenty of conclusive evidence that show pretty clearly that hollow point bullets expand reliably in a given medium, and besides, a bigger hole is always better. Always.
Your argument on shot placement is true in general, and specifically for hunting, but I think it might be a little short-sighted in a self defense scenario. Depending on the situation, a good hunter is either going to snap-shoot, meaning that good round expansion is critical, or is going to have at least some time to take a well-aimed shot and will often even have the advantage of a some sort of rest. Additionally, the amount of adrenaline poured into the system when taking shot at an elk is vastly different than the level of adrenalin and stress pouring through your body in a SD situation. I think that taking the time to squeeze off a well-aimed shot to a specific area in a life threatening situation is beyond most of our skills. Thats not to say that you don't aim in a SD scenario, but it is to say that your accuracy is probably going to suffer, and pin-point accuracy is unlikely to be a major concern.
Your right in general terms about shot placement, but I will take all the help I can get from the bullet.