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I only stock a small amount of "self-defense" ammo. I probably have between 50-100 rounds of Gold Dot HP for each of my carry guns. All my stock for any kind of a serious national event is ball ammo. I purchase my ammo during non-crises times so when there is a mass shooting, followed by politicians trying to capitalize and the masses trying to stock up, I avoid the madness. I look for ammo to go on sale, and buy a case for storage here and there. It adds up over time.
I keep a very healthy stock of 5.56X45 and about half as much 7.62X39 and a smaller stock .308. I don't stock much pistol ammo and only keep about 1000 rounds of FMJ in .45, 40, and 9mm as I don't plan on using my pistols too much. All my carry guns have JHP, but during a catastrophic event, I think ball makes more sense both financially and functionally.