Day in/day out, if you load a .38 with a hard cast 158 grain SWC, it will probably shoot to POA, and perform well on 2 legged attackers, without being harsh to shoot or hard on the gun. My recollection is that .38-44 ammo is noticeably hotter than +P, especially modern +P; there have been strings on the issue in the last few years that included testing.
The 158 RNL will shoot ok, but is a horrid round for personal defense, and the only thing worse is the 130 grain ball; even less effective and often not hitting POA. One should use those loads only for making empty brass. I would carry a decent 148 grain wadcutter in preference to those.