Need some advice on ammo

I hate to bring back an old thread, but now I have an M&P40 and need to decide which load to keep in it at home. It does fine with all the cheap CCI and Winchester 165 and 180 grain practice ammo I've put through it so far, but I've also seen 135s and 155s. I guess what I'm looking for is a decent but not overpowered .40 defensive load to minimize the chance of overpenetration. Some have suggested the FBI load 165s...are they correct?
 
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