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That's true, but it's more likely to splatter if it hits something hard or goes through the person invading my house than FMJ, and it's the only thing I can get my hands on other than FMJ since the ammo buy up, so I have to make do with what I can get.

Well, I don't have my License yet either but, if it helps, I keep 165 grain Fiocchi JHP in my Taurus .40 caliber. The houses I live to are pretty close and all around, so I'm always worried if someone breaks in that my bullet would end up in a neighbor's bedroom. Where I live, there is no way I would use FMJ, and I'll probably stick to my current formula when I start carrying. Last think you want is a bullet in the wrong place at the wrong time. I know some people will say that you just need to make sure nothing in your line of fire (if you miss) before you shoot, but man, I shot some metal cans with a 9mm once and they slung bullets out the right and left side that came in straight from the front. It's just hard to keep them moving in straight line once they hit a wall or something sometimes.