Split the difference... Buffalo Bore 158gr Gold Dots at 1400 fps from a 3 inch GP100 ought to do the trick. Same velocity as most 125 grain loads but with a 158!
1. 3 inch S&W J frame
c. Item 19C/20-158gr. Jacketed Hollow Point = 1398 fps
2. 4 inch S&W L frame Mt. Gun
c. Item 19C/20-158gr. Jacketed Hollow Point = 1485 fps