I would never down load a jacketed bullet that much. But I have done expansion testing with both the XTP's and Gold Dots, but at full house velocities. I used a cardboard box lined with a plastic trash bag, filled with water and tightly rolled up denim jeans very well soaked. I don't recall the exact dimensions of the box, but I think it was like 16" or so. Both the Gold Dots and XTP's performed as designed to, and most of them exited the box leaving a large wound channel.
The load tested were 16.5 grs. - 18.5 grs. of H110.
Velocity average was 1100 fps on the lower charges of 16.5 grs., and 1220 fps average with the 18.5 gr. charges. I also tested the 125 gr. XTP's with 20.0 gr. H110 and they produced amazing performance. Just under 1500 fps velocities and total expansion at just about upon impact. Impressive I thought.
I have killed numerous jack rabbits with both of those bullets and they always produce very impressive evidense of full expansion.
I bought a box of the 110 gr. Short Barrel Gold Dots to load 38 spcl with a while back, but I haven't gotten around to testing them yet. But I've never been disappointed with Speer's design or intended performance, so I would imagine they are a reliable low velocity self defense round.