This is what I've tested and load for my EDC, carry is a Sig P238, get good expansion and 9-10" penetration average. Load is AA #2 @ 3.5gr, 1021fps, CCI small pistol primers, and I batch my brass for EDC, all have the same lot/head stamp so I don't get the loads confused and re-box/re-label with specs and date.
I use the same specs with bulk mag tech bullets for range practice.
If I was to choose factory ammo for EDC, I would go with Critical Defense.