I wouldn't be too concerned about it. You are much more likely to completely miss your target then over penetrate through a target, and you should be aware of what is directly behind your target anyways. Has there ever been a case where a 9mm round went completely through a person and then did serious damage to another individual? Lets say a bullet pentrates 12" all the way through the mid-section of a person and then exits doing around 200 FPS. Is that bullet going to have enough energy left to do serious damage?
Don't get me wrong I'd prefer a hollow point, but realistically the over penetration factor is just as likely to come out in your favor as is is to be a liability. It's probably more likely that another bad guy is standing directly behind bad guy #1 than a little old lady or an innocent baby.