If over penetration is not a concern then FMJ/FP non expanding is fine, Even with expanding bullets, a hand gun is still a small hammer big nail tool application. Often people who are dead on their feet, do not know it and are able inflict harm to others. CNS hits are the quicker way to end a encounter. But, that still may have lag time in order to end a conflict. Yes, at lower speeds some bullets will not expand. Barriers/clothing, clogged hollowpoints often make an HP bullet become a FMJ.