You (not to mention many other people) need to get rid of this 'overpenetration' concern. If a round wasn't powerful enough to go through a human target, you don't want to carry it at all. The idea of JHP ammo isn't to stop overpenetration, it is to create a bigger wound channel AS it 'overpenetrates'.
You also have to remember, regardless of how well the bullet does when it hits the target, you aren't always going to hit the target.
I carry 230 gr HSTs, which routinely expand to the size of a quarter, but if for some reason you were caught carrying 230 gr hardball, it's more than adequate. (Inasmuch as any handgun can be called adequate at all.) Still very close to the same size as most 9mm JHP bullets when they expand. Many carry 230 gr hardball. Remember, the 1911 with 230 gr hardball has probably saved more soldiers' lives than any other pistol/bullet combination.
If I was leaving the range and I still had my mags loaded with hardball, and I had to use my gun defensively, I wouldn't be thinking; "Oh no!! I have let myself get caught in a situation which requires me to shoot a bad guy with horribly inadequate fmj ammo instead of magical JHP ammo and now I shall surely be killed!!" No. I would do the exact same thing, the exact same way.
Test your gun with a good JHP round, it will probably function just fine.