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Your handgun is not going to do much against body armor, FMJ or not (unless I missed something??)

Your liability of over-penatration with FMJ is too high, and just does not offer the reliable performance of hollow points. Carry all hollow points. Realize that if you decide to engage a rifle bearing hostile with your handgun you are at a significant disadvantage. If you engage, and body shots have no effect you must change to pelvic or head shots.

Better yet to obtain a rifle and engage from a stand-off position.

I can hit head shots from 15 yards consistantly with my 5 inch .45. From 25 yards, to be reliable, I need t be prone or braced. I can put MOST in the head from kneeling or standing, but not all. And not while moving or shooting quckly.

I have a rifle in the car, at home, and many at the office (which happens to be a range)

More reading

http://www.firearmstactical.com/briefs10.htm

orc4hire wrote:
That's why, with top quality ammunition, there is little difference in terminal performance between any of the service calibers.

Agreed 100%

HighVelocity wrote:What about head shots? I believe that a bullet that penetrates the skull is most likely going to end the fight regardless of wether it's a fmj or jhp.

The head is a very small target and from my experience even people well trained have trouble, under severe stress, making the type of well aimed shot required for shooting the head.

Besides, even though the head may move about, the torso tends to keep relatively still. Thats even if the person is moving.

Here is some reading on this subject from the FBI

http://www.firearmstactical.com/pdf/fbi-hwfe.pdf