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What about head shots? I believe that a bullet that penetrates the skull is most likely going to end the fight regardless of wether it's a fmj or jhp.

Plenty of people are killed by plain ol' ball ammo every year. In a small round like .380 or 32, etc, I think penetration is going to be the biggest concern. It doesn't matter if a bullet expands to 50 cal if it doesn't go deep enough to hit anything.
In my Sig 380, which I only carry on occasion, I keep it loaded with the hottest hollow points I could find which are the 90gr Corbons. However, if fmj was all that was available I wouldn't feel under equipped if the need arose.
Shot placement, Shot placement, Shot placement.