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As far as answering your other questions,
Typically FMJ are for range use. Obviously the military uses them for a couple of reasons (reliability of function, rules of engagement), but by in large we use FMJ for plinking loads.
HP's are typically for defensive use, although many competitive shooters use them because they tend to be more accurate (FMJ points are subject to a lot of abuse and distortion), and HP's don't ricochet off of steel like FMJ's do. I've never heard of a range that frowned on using HP's - most actually prefer them because they don't penetrate berms nearly to the degree that HP's do or ricochet like FMJ rounds can.
Precision Delta makes some good HP's for general shooting at a pretty decent price. I'm sure other manufacturers do as well, but if I'm going to buy JHP's for range time, I go with Precision Delta and hope I'm buying in the middle of a run.
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