I posted this in the "ammo" forum...
I've been carrying a j frame for the better part of the past 28 years. In my younger days and off duty it was a 2" model 36 (I still have it with original grips and a tyler). Now in retirement I still carry a j frame, but its a 642-1.
The ammo that I've found most accurate and reliable for me is Federal 125 Nyclad in standard 38. (yes, it is available, though you have to be diligent in looking for it)
For the purposes of this firearm and its defensive nature, a standard 38 for me makes the most sense. If I ever need to use deadly physical force, it will almost certainly be at "bad breath" length. Now living in South Florida, I'm not concerned about a perp wearing a leather jacket (or four layers of denim). In the low risk lifestyle I now lead, my personal protection needs would most likely be in parking lots, atms's, etc....where a bad guy would see this older guy with a limp and see a potential victim.
I've found that the Federal Nyclad 125 in standard 38 shoots true to point of aim within 7 yards, with minimal recoil. The ballistics for this round are more than adequate for me, considering shot placement is paramount. It's a proven, time tested round.
I've tried Gold Dot 135+p short barrel, assorted 158 gr standard loads and +p loads, and others...but I've found these nyclad 125's work best for me. Less felt recoil, more accurate follow up shots.
Now if I may editorialize for a moment...when you are at a range practicing, please practice single handed off balance shooting. If you are carrying a concealed firearm for true personal protection, please know how to use it in the way it will be used if called for. You won't be taking a proper stance. Your breathing won't be smooth and easy. You won't be using your sights at all and you won't be gently squeezing the trigger. From a distance of 3-6 feet you will be pointing and shooting, most likely single handed, off balance and possibly moving.
IMHO, the 642-1 with Federal Nyclad 125's are as close to a perfect defensive combination as there is.