Personally, I wouldn't be comfortable carrying anything less than a .380. If you go with the .32, I would carry ball - a hollow point is not going to penetrate nearly enough to hit the vital organs. The .32 will be easier to shoot, but if you're in a situation where you need a BUG, you're pretty much already screwed and will need to get the job done as soon as possible - the .32 isn't going to force them to collapse soon enough.