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I load lead 125gr at 3.5gr and jacketed 124gr at 4.3gr, so that's a pretty big difference.
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I loaded some 125 grain lead bullets with 3.3 to 3.7 grains of HP-38 (same as Win231) and most of them wouldn't work the action in my Ruger P95 until I got to 3.8 grains and higher. 4.0 grains worked very well for me. My OAL was 1.125.
I also have loaded Berry's 124 grain plated round nose, but not the hollow point bullet. I was able to use 1.15 with no issues. The hollow point must be shaped different enough to cause issues. I used bullseye with the plated, so I have no info on Win231 and plated.