While your point is well-taken, the reality of practical use in an actual self-defense situation makes such small differences as that immaterial for the vast majority of us.
Such real-life scenarios are frequently at short distances, and in high-adrenaline situations, where the basic practicalities of keeping the gun running, stance, presentation and grip will go much farther towards success than precision aiming. If you train most of the time with 230gr .45 FMJ in your 1911, when the SHTF it will not matter much if you have 230gr .45 HP ammo instead, IMHO. Center of mass is center of mass, and head shots are not practical at great distances under those circumstances anyway.
Agree! Also for most of us the cost difference between “training” or practice ammo and tactical or carry ammo drives us to the cheapest options. I practice with 230 rnl handloads yet carry pricey hollowpoints.
This is true in police departments, I see 9mm fmj from Blazer on the line yet they carry some type of hollow-point with an X in the name.
I don’t think the federal cops care that much about the difference in cost. I mean, we can see their requisitions! DHS did order “practice and training ammo” but I don’t recall noticing that it was at a lower tech level or quality.