Since they were first introcuded late in the last century, there is almost always a 357 Magnum J-frame with me and it is always stuffed with Hornady's 140JHPs . . . but I live in Florida.
We do not have a winter clothing issue down here
Image courtesy of SurfingSantas.Org
In a northern city like say Chicago, I would go to 158 JSPs in the winter time.
Much better penetration than the 125-140 JHPs but a little more expansion than the FMJs
All of that being said, the odds of a civilian getting into a firefight is probably a longer shot than winning the PowerBall while being struck by lightning and we are all just overthinking our scenarios
No matter what you finally end up carrying remember to
practice, Practice, PRACTICE