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However, when I gauge probabilities, I personally think the chance of shooting an FMJ so that it penetrates and wounds a bystander is higher than the probability that I will need to shoot an FMJ through cover to save my life. Thus, I'll stick with well-designed hollow points for the best change to stop the threat.

Same here.

Besides, car doors are hard cover only in Hollywood :-0

But 2 car doors may be enough:
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I don't consider it when loading my carry gun.

I think LEO's have a much higher chance of needing that capability and most of them use good modern defensive ammo. Incidentally much of the modern defensive stuff is barricade/glass/car door tested so it will address almost all of the possible needs I would have for it. Besides, in a 9mm or .45acp, I have to think that if the cover will stop a good HP then it will likely stop a FMJ- or keep it from doing much on the other side.