To hopefully answer your question:
The semi wad cutter hollow points will be fine when fired from a 6 inch barrel. I have recovered lots of these bullets and they all stay together and expand nicely. At 950 or so fps, they are not going to break up. I have handloaded these up to 1100 fps and they stay together.
The load in question will be just fine through heavy clothes. It will penetrate them as good as any JHP and will stand a better chance of expanding after passing through them. This bullet also does not have a reputation for excessive penetration when used for self defense.
Check this out for more info on a comparison of your Gold Dot to the 158 gr lead hollowpoint FBI load we are telling you about.
http://www.hipowersandhandguns.com/3...mmo%20Test.htm
Hope that helps.