Who cares how a clown loads his pistol?. When I load mine it is with factory HP ammo, and I do not worry about someone wearing body armor, because homie dont play that, and down here in GA its to hot to hide that fact 6mos out of the year, and I am not going to be in a shoot out with LEO. I am more concerned with over penetratio than not enough, as I will not be starting a fight with armored men or equipment. If I needed penetration I would reach for a rifle, or E&E to a better place. No rules, no worries. If I can't penetrate their armor I am outta here.
P.S. I don't "claim" ot be a gun man, but my unit's have always used me as a small arms instructor, and I have gotten many people over the flinch factor without a can, or sub caliber unic to lower effectivness, and noise.
Have a Nice Day, Inspite Of It All