Long answer -
I recommend selecting any defensive loads based on your circumstances - for example some of my considerations are:
Apartment or House?; Living alone or others in the residence?; If not alone - layout of the rooms and likely locations of others; distance to neighbors?; Interior and exterior wall (barrier) construction; Typical and maximum distances of potential shots; Proficiency with your handgun; Sensitivity to recoil and ability to fire follow on shots; Possible effects of muzzle flash; Speed of reloads; etc....
Decide if you need/want mixed loads in the Governor (Governor capability aside, some folks do not recommend mixed loads in a defensive firearm).
For example, you could load the cylinders with ammunition of increasing barrier/terminal performance. This could help to "reduce" barrier penetration of the initial shots (but usually means reduced FBI Test performance) with increased terminal performance loads available for any later shots. So if you are suddenly awakened, you can respond quickly to a threat while "reducing" risk to others in the residence (but still have reasonable terminal performance - albeit maybe not the best available), and as the situation unfolds and becomes more clear you can followup with more considered efforts.
This should NOT be taken as meaning to wake up and just start randomly firing in all directions until you figure out what is going on. Always follow all the safety rules, and always be aware of your target, what is behind/around that target and be sure that firing your gun is the the correct thing to do in the first place.
Then select from available loads using test reports based on barrier penetration performance (need to minimize it or not?) and FBI test protocal performance of the ammunition.
If you plan on using 410 loads, I suggest looking at the Handgun offerings from Winchester (PDX1 410), Federal (Premium Personal Defense 410 Handgun), and Hornady (Critical Defense 410 Triple Defense). All these manufacturers (and many others) also make good 45 acp and 45 Colt loads as well.
Naturally, whatever you choose, test and become familiar with the ammunition you have selected. If using mixed cylinder loads be sure to become familiar with the characteristics of that mix.
Short answer - I use a mixed load approach with Winchester PDX1 410, Federal 410 000 Buck, and Winchester PDX1 45 Colt. I also have reloads available that include 45 acp in moon clips.