I used to use approx 3.4Viht N320 under a 147grn SNS LFP @ 1.115 OAL. Yup, sounds a little short, but that's what would drop check in the barrel. Made 135 PF out of my M&P Pro and was really soft shooting, with no over pressure signs. My data suggests the coated are a tad bit slower (in .40 anyway) so a chrono is a good idea if you need to make PF. To me anyway, the 147s have noticeably less muzzle rise than 124s at the same power factor.
I used to use TiteGroup with MG 147 CMJ bullets, but @ 3.2 grains, (130 PF), I could pull the handle 3x before the case would overflow. When I looked into the case at the 2nd station on my press, I could hardly tell the difference between a correct charge and a double, and that was one big reason I switched to N320. I have switched back to TG for practice ammo though, since N320 is pretty much impossible to find. Just have to be careful with such a dense, fast powder and slow down a little when reloading.
Another benefit with the 147s are they seem to knock poppers down easier, but I know some prefer the feel of the 124 grn bullets. I couldn't see much accuracy difference between the 124s and the 147s but I've never been really concerned with Bullseye Shooting type accuracy. Also, I'm not really a load tinkerer, if it's reliable and doesn't tumble and am in the black @ 25 yards, I'm satisfied with the load accuracy for what I need.
The coated bullets from SNS are excellent, way better and cleaner than bare lead. I just found them a little harder to get set up without knicking the coating when seating. Bayou Bullets is another option for coated, I'm really liking them for .40.