First, Welcome to the forum... :wave:
For practice, buy the cheapest ammo you can find. FMJ loads are usually the cheapest around... Blazer and/or Winchester White Box are usually available in Walmart... Being in New York, I don't know how the laws are regarding selling ammo...
For defensive carry, try different brands of JHP's, if you can. In the .45, most any JHP round will do. I prefer the 230gr. loads myself. Even 230gr. FMJ will work well in the .45. :wink:
For the .380, I'm using Speer Gold Dot 90gr. JHP's. I found them online at ammunition to go. Any of the other JHP loads listed will also work fine. I even use FMJ in my .380, since penetration can be marginal. :yup: