Depends on the caliber you carry. Anything under .380 its fmj. (.32, .25 etc). For .380 and up it's SD ammo. There are a few members that will insist .45acp ball ammo is the best there is so be ready for that.
If all you have is fmj, carry it until you can get some good sd ammo THAT YOU KNOW WORKS IN YOUR GUN. Don't just buy a box and load it up. Buy at least 100 rounds to shoot to make sure they work in your carry gun. I'd rather have fmj's that I know will shoot every time I pull the trigger that hollow points that will jam when your life depends on it.
Depends on the caliber you carry... There are a few members that will insist .45acp ball ammo is the best there is so be ready for that.
I have 9mm Ruger P95 and Kahr CW9. I would like to carry the Ruger, but it's pretty big, which is why I got the Kahr. I don't carry either yet, but I've been training with both so I can carry either.
Hollow point ammo is likely to do more damage. However in most cases I think FMJ has the same stopping power as hollow point (many will disagree) despite that internal damage. I agree on hollow point being more lethal, but all I'm concerned about ultimately is stopping power. The main advantage to hollow point is that they are less likely to go completely through your target and injure an innocent bystander. Even if they do they will probably have lost enough momentum to not be able to seriously penetrate someone else.
Disclaimer: I am not an expert on this.
Over penetration was my concern. I hope to God that it's never an issue I ever, ever have to deal with, but if I do have to shoot, I'd prefer the round stop in my target. Especially in the event of a home invasion. The way my home is laid out, my daughters' bedroom is directly in the line of site from my bedroom door to the top of the stairs. Or if I were to miss, I'd rather that round stick in the wall instead of end up in the neighbors house.
Again, I hope the only time I fire my weapon is on the range, but I'd like to have at least some peace of mind about where my rounds end up.
If you can possibly find a premium self-defense round, carry it. This article is about the 9mm, but talks extensively about the mechanism of stopping power.
Why Nine | The Bang Switch