Back in the day, the consensus was that one needed to get most of the available (36-Cal) HP-bullets up to 1100 FPS in order for them to reliably expand. And even then, it could still be "iffy", depending on what it had to travel through.
Folks ain't made out of ballistic gel, water jugs, or wet phone books. Plus, the bad guys that I've had to fight weren't standing out in the open naked while firing at me. The first was crouched at, and firing through, a partially broken widow while wearing a heavy (leather and wool) letterman's jacket. Another time, I was being fired at from around the door way of a sheet rock wall. And just in passing, like I've mentioned before, a lot of bad stuff happens in and around automobiles.
Necessary momentum, that's what I'm getting at here.
The last time I looked, that has to do with weight, mass, and velocity. Point being, I'd be real careful about giving up either for something as trivial as carry comfort, or how I prefer to dress myself...'cause we live in an unsure world, and ya never know.
But that's just me and how life has taught me to look at it.
DGW