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I'd buy into the OP's premise as far as buying FMJs for practice ammo, but when it comes to ammo that I am gonna use to protect "me and mine", it's gonna be a JHP that I rely upon.
The advantage of a JHP might be "small" for the added expense, but there are so many things worth more than a few bucks extra for a couple of boxes of premium JHPs and I'll take every advantage I can get no matter how small.
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