I keep reading and hearing stories and comments about people using Hornady XTP bullets failing, blowing up, etc.
I believe that it is the fault of the operators, not of the bullets. I also believe that if someone shoots or hunts or uses equipment of any kind they need to become informed and familiar with what they are using and what they are doing. Same about bullets and muzzleloading. One needs to know for what velocities bullets were designed. I've seen so many people not being able to shoot properly a muzzleloader because they were ignorant that i really hate to think of all the injured deer. The dummest one was the guy who was trying to make his rifle shoot like the points and hash marks on his tactical scope.
So, if you insist on using 3 pellets of whatever, realize that those bullets will fly at over 2000 fps (the 250 grainers do 2200 fps). If you are using 2 pellets, you will be shooting about 1700 fps.
This makes a difference when choosing the right XTP bullet, because there are two types of XTP bullets: the regular variety and the Mag variety. These have different jackets. In the 250 grain variety there is the 240 grain Hornady XTP Mag, .4515" diameter, designed to hold together and expand at velocities over 2000 fps, and this is what you should be using if you are shooting 3 pellets or 100-120 grains of powder (which you don't need to and no deer on the planet requires, but if you insist...).
On the other hand, there is the 250 grain Hornady XTP, .4515" diameter, designed to expand at lower velocities, UP TO 1700 fps, which you should be using if you are shooting 70-90 grains of powder (2 pellets). These expand well at quite low velocities, because of softer lead and thinner jackets, or both, but will fragment if pushed too fast, or will expand too quickly and fail to penetrate enough.
On the contrary, if you are shooting 60-80 grains or 2 pellets and longer range, it would be a bad idea to use the XTP Mag or the TC Shockwave (same bullet but with plastic tip), because these bullets are designed to expand at higher velocities. They will penetrate, but may fail to expand.