One of the benefits of the latest and superior bullet technology is that expansion seems to start immediately and be reliable through heavy clothing. Penetration is good, and the bullet profile enhances feed reliability.
HST, Golden Saber, Gold Dot, and DPX seem to fall into that category.
Some choose ammo for economical reasons. Generic Win. JHP's feed well and represent a good load. Good ammo to stock pile.
Aside from all the comments about HPs, expansion is unreliable at .45 velocity. Depend on shot placement. IOW, pratice, practice, practice.
I don't believe that unreliable expansion is a problem anymore, except with older technology that some think "works ok".
Todays best ammo is made to expand at lower velocities associated with shorter barreled ccw pistols, and feed reliably.
There's a reason that bullet technology evolves, like anything else-- to eliminate problems associated with current or past technology. It's been that way forever. In .45, I carry DPX or HST, with HST for spare mags.
Wouldn't feel too handicapped with Winchester WB JHP, but don't choose my SD ammo based on ecomomics. I base it on dynamics.
No argument that shot placement, practice, tactics, etc., are most important. After that comes the best bullet you can count on using the best techology to save your life--well mine, anyway.