I've found Magpul stuff to be pretty much the same everywhere I go., I do purchase from my well stocked LGS more than go online, I may pay a little more but being a friendly face and a regular may be more beneficial for later purchases from the same shop.
The right to wear dog tags? (eye roll) the right to have a hunk of metal rubbing on your chest and a crappy chain digging around? I do like the metal wallet card idea a lot though. if you do go the dog tag route you should lace one into your shoe laces, or is that overkill?
I carry Remington 125 +p SJHP Wal-mart specials as well. In a 38 Snub nose I'm not expecting Thor's hammer. I comfortable enough with them to know where they're going and the job will still get done. Buy 'em cheap, stack 'em deep and practice plenty.
Cigarette butts... just kidding, Green Foamies outdoors and Foamies and Noise Cancelling over them indoors. I work with too many half deaf folks to play games with my ears.