A bank robbery involves an infinitesimally slim chance of someone wearing body armor unless you're in Hollywood. A home invasion has an even slimmer chance, but it seems to have happened once or twice if you listen to the internet jabber. Otherwise, there's essentially a zero percent chance, and it may stop an FMJ anyway, or not stop a hollowpoint. Criminals aren't likely to have new, functional armor. Mozambique drill.
Are you seriously going to shoot through cover? That's a good way of not knowing your target and what's behind it. You're pretty much guaranteed not to hit the threat itself. Besides, JHP almost universally falls into two groups now: ones that are trusted through cover via FBI tests, and ones that mash the nose and become FMJ.
What is FMJ going to do to a druggy with 3 expanded rounds in him already? Are smaller, mostly-sealed holes going to work any better?
Bottom line is, unless you're in New Jersey where it's illegal, you need a round that expands.
If you're facing body armor, you don't need solid .40. You need a rifle.
If they have cover, you need to find your own and run.
If someone attacks you full of PCP, six expanding rounds is ten times better than three that expand and three that don't.