I say, go ahead. When I do carry, which is not on a regular basis, I also carry my PX4 with a full mag 17+1, and my two spares. Full, too. I live in no war zone. On the contrary, I live in a rather peaceful area. The reason why I carry the two spares I have is the same one I carry another two on my duty belt, although I have been issued just the two my 92FS came with (I had to purchase it with my own money, but to heck with it, it's my life what will depend on it if bad goes to worse). Whenever you have to use that spare mag, there's a strong chance that you'd be under heavy stress. You might be in a dark place, you might have to run, dodge, bend over, crouch, etc. Therefore, there's the chance that you might drop and lose from sight your much needed spare magazine. Having another one available in your belt is a good idea.
Even the two choices of ammo is not a bad idea, but again, you might have to consider the scenarios you're likely to find yourself at. If there are odds that you might have to face attackers that hide behind barriers, I'd carry FMJ and JHP.