The benefits of ramping up velocity are overrated. A drop in velocity however can be problematic, but that's not going to be an issue in a 3.5" .40 or 9mm. There are standard pressure 9mm loads available that will do just fine. You can go +p or +p+, but its just not necessary IMO. I use Winchester Ranger 147gr RA9T in my 9mms. With a .40, you're going to get better barrier penetration and slightly larger permanent wound cavity. I use Winchester Ranger 180gr RA40T in my .40s.