PSA often has Speer gold dot .223 on sale for around $10 per box. Might want to look into that. That's what a lot of law enforcement uses.Some ball is ok, as some tumbles on impact and some fragments. I was watching a review of the 5.56 PPU 75 gr. match I think it was, and it expanded almost like a SP - but that was one bullet, he did not test more than that to see if they all expanded - it might have been a fluke.
I have ball ammo for rifle calibers, it will serve as practice/training ammo and a fallback if I run out of expanding ammo. For any of my self-defense rifles I have at least a battle pack of expanding ammo - such as Hornady TAP, Remington GD, Hornady SST.
But I want to stack deeper and I want to do it in bulk - I want to at least start with 1K of expanding ammo for each caliber, and work deeper every year. If SHTF a person could easily burn thru 1K of ammo in a firefight. I don't want to get into firefights and I might not survive a firefight but at least I do not want to run out of ammo in one.