If you are thinking about practicing with a self-defense gun and with the primer situation being what it is (scarce), I would load hollow points.
why? ....to make each shot purposeful.
If you are new to reloading and/or defensive pistol shooting you might have a new pistol.
This is what I would do if such were the case:
Since actual SD ammo is expensive, I would load a simulator round. ie. a round that looks like and feels like actual SD ammo.
Since HPD uses Speer gold dot 124, that's what I tried to simulate.
It looks like Cabelas has the bullet that I used in my simulation project. They are pretty reasonably priced and look and feel great.
I used Xtreme 124 plated hollow points
This is the project I did exactly 8 years ago. I don't think the pictures show up any more though.
This is the testing part. There is a lot to absorb here.