Since you limited the question to nightstand ammo, assuming this is 3am "someone is busting in your place" scenario, I would add that the time of year (assuming we're talking Indiana) also plays a role in what you load. In the summer, I like to use 124 grain Federal Hydra-Shok or HST. People breaking into your home in July are seldom wearing heavy, winter coats. 124 grain packs a fast-moving wallop (our goal is to shut down the CNS) but doesn't like things to be in the way. However, people breaking into your home in January likely are wearing heavy, winter coats. For them, I like to load 147 grain Federal Hydra-Shok or HST. Sub-sonic but will dig through that coat much better than 124 grain ammo. Could you use just one, or do it the opposite way, and still have success? Sure. You asked for the "best" and this would be my optimal way of doing it. YMMV.
How is it that you don't need great penetration in the summer time? The difference between 124 and 147 is not that huge, but the 147 is a better penetrator......
This is a misunderstanding (and a common one.) The faster moving, tighter 124 grain will always be the better penetrator with no obstacles and assuming the first impact is human tissue. Introduce obstacles and the slower 147 grain will have a better chance of deeper penetration. We are trying to induce shock, which shuts down the CNS. In theory, the deeper the penetration, the more likely we are to achieve our goal.
ETA: Definitely do what you believe is best for you. Educate yourself (please don't use the Internet to do so) and then go with the best info you find.