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Most 9mm's are calibrated for 124gn, at least according to my owners manuals. Although I have not seen a difference in shot placement between them and 115gn fmj target ammo. Try all three and see what shoots best out of your gun. For defense, no matter what you choose, stick with HP.
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I grew up in New Jersey, but later moved to Florida and made a complete recovery. 
Keltec: The BIC lighter of handguns
http://jkwasblog.blogspot.com/
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