When I recently bought a Model 60-3 3" barrel .38 Spl I wanted a factory defense load for it. Walmart had Winchester 125gr JHP +P on the shelf.
The box stated 945 fps muzzle velocity.
Today I chronographed it and and 158gr handloaded with Hornady`s LSWC.
The Winchester 125`s ran 935 fps.
!58 gr handloads ran 845 fps.
I was pleasantly surprised the Win came close to advertised velocity especially in a 3" .38.
Jim