Come November, I will have been reading threads like this at TFL and THR for twelve years. That's a bunch of commentary and discussion.
What I conclude from all this is that people are picking way too much fly-poop out of not much pepper. "Over-thinking" an almost non-existent problem.
Bottom line: Don't use varmint bullets on deer. Don't use deer bullets on little varmints. Any sort of halfway-smart thiinking about bullet selection of any commercial load will let you ruin Bambi's day. It doesn't matter if the bullet is standard garden variety or premium. If you put the standard bullet in the right place, you have supper. If you don't put the premium bullet in the right place, you may well go hungry.
I dunno. Between my deer and huntin'-buddies' deer, I've been involved in the "autopsy" of over a hundred deer. A dozen different cartridges, probably. Lord only knows how many different choices of bullets. The only commonality among that hundred was that proper hits meant little or no tracking. Bad hits meant problems.