I currently use the 135gr Gold Dot +P in the 64-2 and 340 M&P that I carry on and off duty. Finding that load can be difficult, but it does turn up. If I remember correctly it was the last load NYPD used in their .38's.

Before the Gold Dot ammo I used the FBI load (158gr LSWCHP+P) in my revolvers. I switched to the Gold Dot around 2012, mainly because I was having a hard time finding factory FBI loads, while the Gold Dots were readily available at my local cop shop. I would feel well protected with either .38 load.

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Wheel guns are real guns.