Your opinion. your entitled to it.
I was referring more to the "OMG i broke a nail" kind of can't shoot anything but a round so castrated I'm still going to be killed by my attacker after they've been shot with five of them.....goes hand in hand with picking a firearm for SD because "it looks pretty".
I don't subscribe to the feel good nurture anyone and everyone stuff. I would rather carry a .22 mag with hollow points than a super loaded down already weak cartridge.
I wouldn't recommend loading up you CCW with high velocity FMJ rounds either. This is a serious responsibility, and you can just do whatever and take the anything is better than nothing approach.