Fiocchi makes a 158 gr. full metal jacket load for the .38 Special.
I haven't chronographed it, but it appears a little more powerful than American loads employing jacketed 158 gr. bullets. Except for +P loads, of course.
It's a good load: accurate and penetrates well. I too have a Model 10 with 4" barrel. I carry it sometimes, loaded with the 158 gr. Remington lead semi-wadcutter hollow point, +P.
I also carry two speedloaders, one loaded with the Remington +P load, and the other with the Fiocchi full metal jackets. I figure that if I have to penetrate a car body, window or endcap full of canned goods, it should work well enough.
The 130 gr. full metal jacket loads, typically used for practice, are underpowered. I carried them in the Air Force as a Security Policeman, in a 4" Model 15. They were known to bounce off car windows and doors.
The Fiocchi ammo is good. Try it.