If you are overly concerned with such mundane issues as whether you will be sued based on the ammunition you choose to carry, you probably will be too hesitant to shoot when the situation arises. You would perhaps be better off selling your handgun and getting a new cell phone. Your only defense is going to be dialing 911, if your attacker will be kind enough afford you the opportunity.
If you are in a shooting situation it will be reviewed by law enforcement to determine you did in fact act in a self-defense manner. If this is more than you can handle, join the sheep and hope a sheep dog is around when the SHTF.