If you're worried sufficient penetration, as some have noted above, the Horanaday XTP seems to provide penetration on the higher end of the spectrum. The Critical Duty round is designed to provide similar performance even after passing through heavy clothing. I'd think they'd be better choices than FMJ. At least you'd have made a good faith effort to prevent over penetration.

Having noted that, I have to return to my own mantra that shot placement is more important than bullet diameter, velocity and design. Adequate penetration is assumed.

I recall testing the old Nyclad "Chiefs Special" round. I don't recall penetration but expansion was to about .42". You could regard that as pathetic or pretty darn good for a standard pressure .38 out of a 1 7/8" barrel. However, that was in a test medium which bears minimal resemblance to a human torso.