You NEED a glock 20!
Ya I can't see using anything other than JHP's for personal defense at home and around town. The only exception being maybe .380, where JHP's don't have much penetration. Xtreme Defenders might be a good choice for that cartridge. But for 9mm and up, JHP's are the tried-and-true answer. Honestly, it's borderline irresponsible to use FMJ in the city, too much risk of overpenetrating and hitting someone else. Plus it just isn't very effective - tiny hole and very little energy transfer. If you don't hit the heart, brain, or spine, the bad guy will just keep going. Those are very small targets when you're panicking. Better odds of ending the fight sooner when the holes are bigger - even if you miss the vitals, the trauma alone would be enough to stop the guy in most cases where the perp isn't heavily drugged up (in those cases, heart, brain, and spine trauma are the only game enders)