A .45 hole in your body is a .45 hole. If you are counting on expansion to make up for accuracy you are making a mistake.
I'd rather shoot a mil spec load of ball at 830 fps that is accurate to within an inch at 10 yards than a hot HP that shoots two inches at 10 yards.
That is where the real argument comes in. Factory ammo is not that accurate. Powder, bullets, cases and primers vary from lot to lot. Just because one maker's rounds worked great this time doesn't mean the next box will shoot as well (and it probably won't).
Each of my SD guns is loaded with a particular round that has been tested and proven to be accurate and reliable in that gun. If it happens to be a downloaded 230-gr., LRN, that I can put between your eyes at 25 yards, that's fine.
My current full-size carry .45 is stuffed with factory loaded HPs. Both the compacts I carry regularly have LRN bullets. One is a pretty hot load the other is downloaded.
I want to hit my target within an inch of my point of aim. You can't miss fast enough to win a gun fight - didn't somebody else say that... LOL
Got no use for a +P. All it will do is batter the frame. If I need a bigger gun, I'll carry a bigger gun. And, when in grizzly country, I carry a bigger gun.