I carry handloaded XTPs because I get jacket separation with the other bullets I've tried. I guess the velocity is too high for some of them.
If I did carry off the shelf stuff I would have to go with the HST first and the Critical Defense next. In Arkansas it doesn't get cold enough for big clothing to make a bullet fail so, a standard hollow point works for me.
You and your XTP's, at least it's still Hornady. Lol