'modern JHP'

The old ones didn't have magic.

ABPOS, you are on the right track. The problem with handguns is adequate penetration, not over penetration.

I carry hardcast wadcutters in my .38s, with FMJ in backup speed loader. 130 gr flatnose. It's all about the meplat.

You need a big caliber, .40 or .45, to deal with bone. Smaller stuff will be deflected. But sometimes smaller stuff is all you can practically carry.

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I've still got it made.