As I was reading the OP, it brought to mind the movie U571.
Right before facing a dangerous enemy action, the guy put away his
wedding ring and wristwatch, "safe in his locker", or so he thought.
But, a few minutes later, his ship got sunk, and he lost everything,
by being careful, and doing what he thought would work out best.
My point here is- real life has a way of getting in the way of our
best plans. Figure out what you are going to carry, and don't over
think it.
However, carry what is legal in your state. In Florida, for instance,
everyone calls hollow-points "safety ammo" because they don't
easily over-penetrate. But in New Jersey, hollow-points are treated
like Satan's personal stash of "evil ammo", and God forbid they find
them in your gun. So you also have to be familiar with your local laws,
before you do anything rash.
My personal thoughts on the matter are that usually BGs, with intent to
do you harm, wait till you are in a deserted, empty place. They generally
don't attack you in a store, or crowded parking lot, with scores of bystanders
as a backdrop.