My wife and I load our concealed carry with JHP SELF DEFENSE rounds. As back-up (extra rounds) ammo, my wife carries 158 gr. FMJ for her .38 spl., and I carry 125 gr. JSP in .357 mag. I figure if we are ever in a situation where we were to go through our SD ammo, we would be in some deep poo-poo, therefor we would want to defend ourselves with something that would have more penetrating ballistics. Use whatever scenario you want, I'm just curious if others carry back-up ammo different than their carry ammo, yes, no, why, or why not.