I've had one for about 4 years now. Ammo is kinda hard to find so when I do, I stock up. It's getting more and more expensive. It is a full sized pistol in every way so it will be hard to conceal. I never carry it concealed, I bought a Kahr for that specific purpose. I really like the single action triger it has, very crisp and with the low recoil you can make some very fast and accurate follow up shots. I put a reflex sight on the back of mine and it's amazing how fast you can put knock steel down with it. I've gone hunting with it a few times as well. the 40 grain vmax (blue tips) are great for small game (I've killed several coons with it) and I imagine it would do well enough on medium game as well. If I'm not mistaken even the FMJ rounds aren't rated to penetrate body armor, and as someone said above the actual penetrator rounds are pretty well impossible to find unless you are LEO or military. Best thing for you to do is to try and find one to shoot. As Cleric said above, its far more important to find a pistol that you are comfortable shooting. You will be much more confident and therefore accurate when/if the time comes to use it. Hope this is what you were looking for if you had anything particular you wanted to know I'll help as much as I can.
“There are two spiritual dangers in not owning a farm. One is the danger of supposing that breakfast comes from the grocery, and the other that heat comes from the furnace.”