Probaby just a temporary shortage in your area. 110- and 125-grain JHP or JSP are catalogged by a number of makers at such places as Cabela's, Midway, etc.. For home defence, if you chose to go with 38 Spl, you will certainly want +P loadings, probably 110 or 125 grain. Hotted up FMJ is a poor choice for defensive ammo unless you expect your target to be wearing protective clothing. As to bullet weight, you'll have to decide. But yo can get more oomph! from full-house 357 Mag loads than you can with a 38 Special, in any bullet weight. More rioom in the case for powder and all that.
While i roll out some loads with the lighter bullets, I mostly still favor the 158 JSP or JHP loads i got with my first 357 some 45 years ago. Just an old fuddy-duddy i guess, besides being a curmudgeon. For the sake of the budget, you will want to do reloading for practice ammo, at least. And that little 5-shooter will hold up a lot better if you do most of your shooting with mild loads. So will your hands...