I think the 130gr FMJ makes better sense for a practice load if one is carrying 125gr Nyclads for self-defense. They shoot about the same, in my experience. That was the combo I used when I carried Nyclads in my 642. Although I've changed my carry ammo to Speer SB-GDHP, I still use 130gr FMJ for most of my practice sessions. My preference is PMC brand, but any of the versions from the major manufacturers will probably serve you well.