So, since this thread is still around, what did you decide Dave ?
Couple observations: In the real world, I would be real surprised if any of this matters. Neither load is inaccurate or accurate enough to make a big difference in performance. The difference in "power" between the hot load and the mild load isn't probably enough to make a difference in a defensive shooting.
Reliability: You didn't mention having reliability problems, so I assume there wern't any: the choice was between accuracy and velocity.
Accuracy: Let's not take this to an extreme. We arn't talking about a load that is so inaccurate that it would be possible to miss a human at close range due to the inaccuracy of the ammunition.
I will tell you what, everyone take out their defensive loads and test them. Target is a silhouette. All drills start from a concealed holster. Stage 1) At the buzzer, draw and fire the entire magazine while moving laterally from left to right . Repeat right to left. Do this at various ranges. At no time are you to stop moving. Stage 2) Get behind cover so you are on your knees and firing around a strong side corner while remaining mostly behind cover. Target turns and faces you at random intervals exposing itself for 1.5 seconds before turning away. Stage 3) At the sound of the buzzer, retreat away from the target while firing. All stages are to be fired as rapidly as possible. Good hits are essential, but only if you make them before your adversary gets his shot off at you.
When you finish, give me your group size in inches. Try this with several different loads and find out which one is markedly more accurate.