i may be mistaken but a fmj isnt really going to expand to much..where as with a hollow point it will expand more so than a fmj...sure the bad guy might be wearing a layers/ heavy jacket...but what if hes not? id rather have the possibility for some expansion than not much at all with the fmj's...
on a whim i walked into a pawn shop in college park (down in gorgeous prince georges) and walked out with an 870 for $160 they wanted 200...it had a 26" barrel and some pitting on the inside of the reciever but ive since put like 150 some odd rounds through it with no issues..this was like 2...