I agree that .380 JHP should be sufficient most of the time. As was said, you have more than one round. I use JHP in my Makarov .380, mostly because I am concerned with collateral damage should a FMJ go through the BG. I've read some studies that say it is a concern for .380 and 9mm FMJ rounds, though not as much for larger calibers like .40 and .45.
Bottom line is I'd rather have a .380 in my pocket than a larger caliber that I can't keep with me.
But we've probably strayed into territory that's been discussed in numerous other threads. My main question was the reliability of the Ruger LCP, and from what I've read from you all and the links you've provided, it sounds like it is worth the price and will do the job.
Thanks again for the replies!