I don't know why Hornady ala Critical defense products makes the argument that armed civilians don't need the penetration recommended by the FBI (12 inches in ballistic gelatin). Yes, as an armed civilian, it is unlikely that I will need to shoot a bad guy through a car windshield so the need for bonded bullets is less.
However, bad guys can be large individuals with arms in the way of critical thoracic structures (heart and lungs) and I would like 12 inches of penetration for my SD loads.
The infamous Miami shootout of 1986 would have been over much sooner if the 9mm Winchester silvertip hollowpoint bullet had penetrated 12 inches into the vitals of one of those bank robbers, Michael Platt. Instead, Platt ran around, kill 2 FBI agents, and wounding nearly a half dozen others after being struck by a fatal but not incapacitating bullet that passed through his arm into his chest but stopped short of his heart early in the fight.
Hornady's critical defense products expand after passing through denim but come up short of the recommended minumum of 12 inches of penetration in .380, 9mm, and 38 special, and 38 special plus P (Hornady claims only 9-10 inches in ballistic gelatin).
I prefer Speer Got Dot, Federal HST, and Winchester Ranger for my snubbie. You can find gelatin test for all those products on the web (goggle search) and they all penetrate 12 inches and expand after passing through denim.
Ballistic gelatin tests may not be perfect but its the best reproducible data we as consumers/users have to compare ammunition made by the various manufacturers. Unless you are unfortunate to live in one of the less free states, nearly any ammuntion is available online delivered to your door by UPS.