MY self I am not carry a FMJ in any weapon that I may use for self defense.
simple to ME, notice I said me!
a hollow point may clog up--then you have basically a FMJ, but I don't think much of anything is going to make a FMJ expand.
so to me the very worse case scenario is that you are going to end up with a FMJ and additional penetration.
pretty much the same with loss of velocity, its not going to allow the JHP to expand as much and so you have more penetration Per FPS than a higher velocity round that does expand.
I might mention as well, these FBI protocol on penetration is figured as a worse case scenario where you may fire at an attacker and hit him in the hand , arm and then the chest from the side where the deepest penetration is required.
or fire through a windshield etc.
I mean how many real people have chest cavities as thick as ballistic suggestions?