I live in Florida, we can probably carry radioactive, exploding incendary bullets. (just teasing) Never shoot someone with an incendiary bullet. It cauterizes as it goes through, and He won't bleed a drop! Why just last month I was in a bar with a guy that got shot through the belly with an incenidary he was doing a trick where he passed a rope through the hole in his belly. (A Babtist preacher once told me that a small lie was as bad as a big one, so I only tell whoppers. It is like a free upgrade on your value meal)
I carry a 1911 and I only load ball anyway. On the rare occasions that I carry a 9MM or a .38, I do load hollow-points. I am an old man and I have not suffered any negative consequences from my bad habits. When I die, never being involved in a gunfight, my wife will have good reason to gripe over all the money I wasted.
I carried ball ammo in 45 and 38 and 9 mm in the US and elsewhere and every mission was in harms way because every mission was protecting VIPs who were targets of terrorism. Our Car 15s used whatever military ball was in use at the time.
With the 38 we were taught that 38 ball one hit was s 60 percent stopper, 2 hits made 90 percent, so 2 rounds always. The training was 2 to the torso the third to the head. One of our guys did stop a terrorist attack with a 3 inch J frame. Two terrorists were chasing the 2 Americans, both armed with Uzzis. My buddy shot him twice at about 20 feet, he said in the sternum. I have seen him shoot, if he said sternum, it was sternum. The ammo back then was the 130 grain ball, I think they call them the Q load.
Being hit the bad guy went full auto with his Uzzi fell and spun around hitting the other bad guy. Bob and the other guy I did not know, went around a corner and never looked back, exiting the building and running for their lives. They buried their handguns and IDs, blended into the people and made their way to a friendly embassy and moved out of country, one of them then assigned to work for me. You will not find reports of matters like that because the people involved were there for classified purposes.
The military, CIA and State Department has a large database of gun fight reports, historically with ball ammo. I do not think any one else does. Anytime an international event like that happens a flash report goes to key players including the White House so the pres does not get surprised if the media finds out about the gun play. Then a detailed report will follow. So they know what guns and ammo did what. Today even the military can use hollow points so they have lots of data to compare. The CIA and State Department Security folks have used hollow points since 1979 that I know personally. So they have lots of data to compare.
My point? I also carried as my personal CCW an Officer's Model 45 with ball ammo. If hollow points are banned in a state I am not concerned at all. If my choice is 9 mm, same story, I just go to the 147 grain with a flat meplat.
I am of the same mindset as you. I have JHP in my 9 mm, Talons in my 40 and Golden Sabres in my 45. But I can live with Ball ammo in any of them. I think we worry too much.