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as for the US military using FMJ... I believe that's due to international law which effectively makes hollow point bullets illegal on the "civilized" battlefield.

Now, as to carrying ball ammo in a handgun....yep, I have been known to carry nothing but fmj in a 32 acp, and either all fmj or alternating fmj-jhp in a 380. I don't consider overpenetration an issue with either of those. But with modern 9mm and up, penetration isn't normally limited, instead can be an issue. Expanding rounds will obviously do more soft tissue damage, as well as limit the chance of over-penetration.

Admittedly, there are a few documented cases of a perpetrator of violence being decked out in body armor, they are rare. One prime example would be the incident at the Tyler Courthouse a few years ago. One of the victims died while reloading his 45 that he had emptied c.o.m. at the rifle toting perp. Since the gentleman with the .45 was well trained in it's use, I would imagine he was very capable of center of mass hits. I never heard how many torso bruises the perp received before his "none too soon" demise, but from the number of rounds fired, it had to be several.

surv