Tjm cars can pop up at very inopportune times but I have not seen a p-coat in Montana yet.
I guess I pick defensive ammo the same way I pick out hunting ammo. I dont want ammo that will be spectacular under one scenario and will not perform acceptably in other scenarios.
As someone else mentioned, about any current generation HP in a .45 will work but if pushed to picked one I would go with the 185 barnes as loaded by corbon or the Federal 230 HST.