Non-JHP defense loads for handgun calibers....
I agree with Jimbo.
For most common semi auto calibers(9x19mm, .40, .380acp, .45acp), I'd buy factory made rounds like the Federal Guard Dog EFMJ, the Corbon PowRball or maybe a frangible/exotic load like the TAP, MagSafe or Glaser Safety Slug.
Hornady's new Critical Duty line in .40S&W & 9mm look great too but it's rare on the US market as of 02/2012.
+P milspec FMJ rounds could work also but I'd buy a PowRball or EFMJ first.
ClydeFrog