My Kel-Tec is loaded with WWB FMJ flat-points. It doesn't get carried much, but if it comes out, I want the bullets to penetrate, more than I worry about them expanding. Especially out of that little tube.
When I carried a .380 regularly, it was a Colt Gov't Model, and I loaded it with 102-gr Golden Sabers. Now that it's more infrequent, I don't want to stock different ammo in that caliber.
I see all sides of the argument, but I think projectiles and fancy ammo is overblown when it comes to your everyday CCW holder. Regardless of what you use, you will be putting holes in someone. Those holes will leak. If your occupation involved a likelihood of needing to use that weapon, then I understand it a little better. Not saying you shouldn't use the best thing you can get your hands on, more that the difference between rounds is a lot less than having a gun or not.