RE: What is the best self defense ammo???
TAP ammo is nothing more than The standard Hornady ammo with the standard XTP bullets. They simply coat the cases in black nickel and use low flash powders.
James, for your winter carry ammo you may want to look into Federals expanding full metal jacket. I have seen a few expanded bullets after being fired into water and the do exactly as advertised. I think it would be a much better defensive round than ball ammo when thick clothing is a concern.