This is just me:
1) JHP are more accurate than FMJ in almost all guns
2) For the price, there is no reason to buy plated bullets in 9mm or .38, given the prices at precision Delta and Montana Gold
3) If you are going to order bullets, for more than just something to use plinking, buy in bulk. I order cases from Montana Gold for 9mm and .38. Prices are the same or less than Rainier or Berry's and not much more than high-quality cast bullets.
4) At the 147gn bullet weight, there is a sudden price break where cast lead stays relatively inexpensive and the jacketed/plated bullets go way up in price. For this reason, all my .40 and .45 shooting is done with cast bullets--usually from MasterCastBullets.com or Bootheel, though Missouri and Penn are still excellent.
5) Precision Bullets moly-kote bullets are very close to plated/jacketed. I standardized on Precision's 200gn L-SWC several years ago, but when I need more bullets, I will be going to simple cast lead bullets. These bullets, in 9mm/.38 Super/and .40 have performed great, even in guns with compensators. They are very consistent in weight and size and are close to FMJ-FN in accuracy.
6) If I had a reloading store, I would stock up on MG and PD bullets, and skip the plated bullets.