In some areas, I've seen the 148 gr. wadcutter target load nearly twice the price of the 130 gr. full metal jacket load. Shocked me.
I carried the 130 gr. in the Air Force, in a S&W Model 15 Combat Masterpiece with 4" barrel. It's a weak load. Never have understood why the factories began offering that load to the public about 10 years ago. It's okay for practice, and knocking off rabbits and grouse without tearing up a lot of meat, but not very versatile.
In FMJ loads, I'd prefer a 158 gr. with a wide meplat (flat point) at an honest 850 fps from a 4" barrel. The Fiocchi 158 gr. FMJ roundnose does this, but it's considered a little hotter than normal. Really bucks in my S&W 637 2" Airweight!
Sorry for rambling off topic. If you can find wadcutters as cheaply as the 130 gr. load, go for it. I love wadcutters. Low recoil and extremely accurate. Perfect for practice.