I'm a big fan of practice with what you'll carry. Given the price of premium jacketed bullets, I can't afford to punch paper with XTP's so I've recently switched to loading hard cast Hi-Tek coated lead bullets, 155gr SWC for my 40 and 180 gr WNFP for my 357.
The bottom line is $23.00/100 for JHP's vs $50/500 coated cast lead. My original intention was to use these for practice and load JHP's for carry but seeing the profile of these lead bullets, I believe they'll get the job done if I put em where I want em. As with JHP's, hopefully I'll never find.