Contrary to the advertising hype, you don't have to spend a buck plus per rd for premium self defense ammo. This "What's your life worth" stuff is a load of crap. Any reliable weapon with decent HP ammo will do the job. The persons I associate with are all shooters, 3-5 matches a month. Most are LE and or former military. ALL carry daily, reload and shoot a lot. A fair percentage of these individuals have been involved in (Directly or indirectly) shootings. Bet there's a very small percentage that carry the buck fifty a pop ammo in their personal weapons. I'd also wager NONE of them fire $500 worth of premium ammo through their guns as a reliability test. Premium ammo and a mega bucks gun won't make up for poor martial skills and tactics. I'd buy a good generic HP ammo that I could afford, run a couple mags through your gun to insure proper feeding and a POA/POI check, and go on your way. Graybeard provided some good links to ammo sources, the Wal Mart stuff works well too if you can find it.
Savage