Not dumb questions, by any means.......but, there is no cut and dried answer either.
Practicing with SD carry ammo is expensive. You have to decide on how many rounds of a particular ammo type/brand you are comfortable with before carrying it as a SD round. Then shoot as much as money will allow until you are comfortable with it. I personally will not carry a particular ammo brand until I have ran 200-250 rounds (but that is just me) and I can't afford to do it all at once either. Until I am comfortable with an ammo as a SD round, I only carry what I know will work, and in most cases that is FMJ. Any time I have taken up a new gun as a carry gun, after break-in, if the only ammo I have tested is FMJ, then I carry FMJ until I can run enough rounds of another type through it to be comfortable. And yes, I do understand that FMJ is not optimal for SD ammo (there are valid concerns with over penetration and/or less than acceptable stopping abilities), but reliability in a carry gun is paramount (IMHO) over ammo vetting. The gun has to run, first and foremost, to stop a fight.
As to combat accuracy, if you can routinely keep all your shots in an 8" paper plate at combat distances, you should be good to go.
***This is by no means an expert opinion, YMMV, so take it with the recommended grain of salt.***