Actually if someone is wearing a heavy winter coat a hollow point is a FMJ after impact, and will get filed up by material and not properly expand. If the bad guy is in a car you need those FMJ. I stagger my magazines and plan to double tap anything I shoot at. I keep 1 magazine full of Cor Bon HP's, but It's no the mag I have in first. I would rather be covered both ways and if necessary switch out to that mag, than short change myself by not being prepared. In some kind of armed conflict scenario my magazines will be staggered both rifle and hand guns. Actually a house, especially a brick or block, does offer resistance to hand gun fire. If the bad guy is in a car and you must shoot him you'll be glad you have FMJ. I wouldn't worry about that being sued nonsense, since it won't matter weather you have HP, FMJ, or even loaded your own ammo, if someone wants to sue you, they will do it anyway, just hit what you aim at. I see so much people buy hand guns and don't take them seriously, you should learn to shoot it even better than you can your rifle since it is what you will most likely have on you over 90 percent of the time.
Go to you tube, search bullet penetration tests, there are some video's on hat, some are military and a must see. Also search Todd Jarrett, and practice what he preaches on how to properly shoot a handgun. Let me get you a few important links.
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YouTube - bullet penetration test
There has never been 1 person successfully sued till this day using he argument they loaded their own ammo, used FMJ, etc. If I'm wrong show me the proof. That whole Urban Legend was started by that Cop Moss Assoyd, ever how you spell it. I would rather be judged by 12 than carried by 6.