I've never used the 120-grain loading. Everything I've shot has been with 140-grain bullets, including Winchester Fail-Safes and Ballistic Silvertips in factory ammo. I am down to my last box of Fail-Safes (which are discontinued) and am hoarding them for the Apocalypse, or something. Otherwise, I shoot handloads: 140-grain Nosler Solid Bases (also discontinued, but a very good deer bullet) and 140-grain Swift A-Frames for bigger stuff. Velocities are 2,700 fps and 2,650 fps, respectively, out of a 21-inch barrel. More than this you do not need.