I've got a Stainless 92FS and I stoke it with the 124gr +P+ hydroshocks. I definately think that they're worth it.

what you have now should be quite effective..........

Almost without exception, the +P and +P+ 9mm rounds have been found to be more effective for defense.  That's not to say the standard pressure loads are ineffective (such as your 147gr HS) they're just not AS effective as good +P and +P+ rounds.

SGB's carry load of the 124gr +P+ HS is a good one.  Some of my personal favorites:

1. Winchester Ranger SXT 127gr +P+
2. Speer Gold Dot 124gr +P
3. Speer Gold Dot 115gr +P+
4. Federal Hydra Shok 124gr +P+
5. Remington Golden Saber 124gr +P

Definitely worth getting some for carry ammo.  Use NATO ball for practice as that will let you practice with ammo having similar ballistics, recoil impulse, and muzzle blast as the premium high velocity carry ammo.

There will be some increased wear and tear to the gun by practicing with higher pressure ammo, but the difference is minimal with a well built gun like your 92FS.  I've put lots of 9mm NATO through a 9mm Glock with no adverse effects whatsoever.

I recently purchased some of the new Federal 124g +P expanding point FMJ (ammoman's still got some), and was very pleased with the performance.  Shot five rounds and recovered 3 of the slugs.  Very consistant expansion in wet clay/mud, all 150%+ expanded.  It was almost eerie how controlled the expansion is, the slugs were hard to tell apart from eachother.  If anyone has a 9mm that has trouble feeding hollowpoints, take a look at these.