The best defensive ammo is what the DOD issue for that specific gun, the Mk18/CQBR. They buy Black Hills 77gr OTM and pay for it. It's called MK262 in the service. You can too - just save the M855 for practice. Keep the good stuff in your load out only.
The difference in performance is still incremental - but a open tip can expand down to 1800 fps. Out of a 10.5" barrel it can still retain 1,000 foot pounds of energy out to 80m, good enough for deer hunting in a lot of situations. Goes to those complainers saying it doesn't have power or won't break up reliably - don't shoot past it's effective range and don't use hard target ammo, use expanding point hunting ammo or Mk262.
Use the cheap stuff for practice - nobody is as good as they think they are, get into competitive shooting and expect disappointment the first few matches as you publicly stumble around and blow great shots. We all do. We aren't genetically "Expert," we have to practice enough to not make mistakes. That's what the top tier shooters do - practice until they can't make a mistake.
Stock up all the M855 you like, shoot the good stuff on live targets when it matters.