I'm the last person you will ever hear saying that there is a wrong bullet or cartridge to use, because any bullet that winds up in the vitals of a perp is better than nothing.
In the case of deliberately choosing an underperforming non expanding bullet over one that will at best, create a far more efficient wound, and at worst, create a wound at least as good as a non expanding in the same weight and velocity, the choice baffles me totally.
Bottom line is that a fmj will leave a smooth and small hole, and won't do squat beyond that. it is inefficient, and that is why the hollow point was created. Any expanding bullet will also leave a hole but the beauty of an expanding bullet is that the holes that they make bleed more.
When is an FMJ an appropriate choice in a personal defense round? Heck, I really don't know. I'm baffled at the concept. We aren't talking about swat invasions, where you might be shooting through armored doors or refrigerators, or even trying to stop speeding volkswagon minibuses on a daily basis, personal defense is, in the huge majority of cases, against other lightly armed individuals, in homes, mini marts, street corners and so forth.
It's hard to make a logical, intelligent post to a topic like this, because it is so hard for me to wrap my head around the logic of abandoning hollow points because a jacketed bullet, once in every hundred or so exchanges, may be the more efficient round. The only time I ever met and talked with a person who refused to use hollow points, I was left with the same problem. he was dumber than my neighbor's poodle, and his reason for using the FMJ was that they looked "big and scary."
People should use whatever their hearts or brains tell them to use. It is still, when the noise is over and the bleeding starts, a bullet, and it might do what you want it to do. For hundreds of years, though, cops have died in gunfights because the weaponry they used was unable to disable their opponent, and what turned that tide around was finally arming police with expanding bullets. If a department ordered its personell to return to the plain old .38 service revolver with lead round nose bullets, those departments would go on strike. I agree with the cops, you won't be taking away my hollow points.