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Studies have shown the chances for hollow point bullet expansion are so low that your depending on sheer luck . . .
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not so much sheer luck but problems with expansion are mostly due to clogged tips especially by bone.
As far as a SD scenario where more than a few rounds may be needed off the top of my head :
A home invasion/robbery by someone who does not want to leave a witness to identify them may likely shoot it out with you rather than leave you alive(especially if you are familiar with them).
A "Madman With A Gun" on a shooting spree. Mentally disturbed or seeking fame (both?).
I am sure someone will think of a few more but the odds are even lower than most SD cases.
But as for me, I see no reason with some of the places I have to go not to be as prepared as possible. At least one Hi-cap or two mags of 7 or I am staying home that day
The ghetto takes no prisoners.