I understand the notion of "carrying what I practice with," but isn't over penetration of some concern when it comes to smaller, higher velocity cartridges? 9mm and .38 special would be my biggest concern.
With a Sig p230[2], PPK, or Bersa in .380auto, hardball ammo seems to be acceptable since power is limited, but for a carry/defense weapon, that is the only round I would trust without going with hollow points. I do not want to deal with collateral damage.