Of course since we have no CCW in this country yet and you are unlikely to run to your lock-up, and unlock your 9mm, load a mag and actually use it in a real life situation. I guessing your question is mostly theoretical?
For practical shooting application "zombie paper" buy the cheapest bullets you can that can be driven to the power your looking for.
Zombie paper will never know the difference.
Hypothetically speaking, why is it outlandish to assume that someone could unlock their gun and load a mag in time to be used for self defense?
I can certainly understand that anyone who uses a gun for self-defense in Canada is going to be charged with unsafe storage at the minimum, and will be lucky not to end up in prison. Which makes the legal use of self-defense an absolute no-go.
But ignoring the legality and discussing it only from a practical standpoint, opening a digital safe and loading a magazine takes seconds, and in theory would be 100% in compliance with storage laws (I know, I know, in reality you would still go to jail, I am not recommend that people actually do that).
A friend of mine in the U.S. had someone trying to break into his house... he managed to get his pregnant wife upstairs, lock themselves in the bedroom, and remove the trigger lock and load his revolver (while his wife called 911), all before the robber managed to get inside the house (the robber got scared when he heard police sirens in the distance, so my friend never actually saw the guy). My friend was not some highly trained tactical gun ninja (in fact, I am pretty sure he hadn't fired his gun in years).
Home defense is not some gun nut fantasy, we have statistics from places where it is legal, and people successfully defend their homes all the time. Although, I agree with you that it is impossible in Canada from a legal standpoint.