Most factory loads for SD are have a fps that is reliable..........

but if reduced, will generally fail in proper expansion and penetration. I found this out while testing the 135 and 125 Gold Dot bullets out in my snub nose J frame and have posted data and pictures on this site of the results.

You might try the smaller 110 JHP bullets, if you can find them
and get them up to 945 fps maximum to at least 900 fps for 197 ft/lbs of energy, for a bare bones SD load.

You might also carry a #5 Iron as back up !!