check into the 147gr loads again, the non +P loads are usually sub-sonic and aren't known for reliable expansion. while 115gr loads are pretty much the standard for cheap practice, the +P loads are pretty much standard for SD. my preferences are the Speer 124gr Gold Dot is a +P loading and is outstanding. my non +P loading selection is the Federal 115gr BP
Your info's about 2 decades out of date. Modern ammo does just fine at low velocities. Especially Golden Sabers. Extremely consistent, and those bullets do
better at lower velocities. Now, if you absolutely insist on using ammo that hasn't been redesigned since the 80's, like Silvertips, old style Hydra-Shoks, etc., then... even in those cases, velocity won't help you, since those old obsolete designs absolutely choke on heavy clothing. Light jacket, T-shirt, undershirt, and they refuse to expand at all, no matter what velocity they're driven at.
Use anything from the last decade, Golden Saber, Gold Dot, HST, SXT, etc., and you're fine. If anything, the heavier, slower loads are usually more consistent, and typically have larger expanded diameters and slightly deeper penetration.
As for "more recoil," that's not true at all. 147 gr at 990 fps has "as much" recoil, on paper, as 124 gr at 1180 fps. In reality, the 147 gr will have a slower kick, more like a push than a snap.