I think that if your ONLY going to use the +P rounds for home defense, then statistically you should never have to fire the gun... so the question becomes moot.

Now if you did have to use it in defense of your home, I don't think it would matter if you bent the gun a little if you won and would be moot again if the bad guy won... so go buy the +P ammo... shooting +P for target and plinking can be very expensive.